# EDGAR Filing Document

**Accession Number:** 0001991364
**File Stem:** 0001539497-26-001226
**Filing Date:** 2026-4
**Character Count:** 768110
**Document Hash:** c75483ecf090edbd29ef6ad753979615
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001539497-26-001226.hdr.sgml**: 20260427

**ACCESSION NUMBER**: 0001539497-26-001226

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

**PUBLIC DOCUMENT COUNT**: 15

**CONFORMED PERIOD OF REPORT**: 20260427

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

**FILED AS OF DATE**: 20260427

**DATE AS OF CHANGE**: 20260427

**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:** 26900542

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

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

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

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

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

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

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

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

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

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

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

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

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G**

**OF THE SECURITIES EXCHANGE ACT OF 1934**

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

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

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

Commission File Number of securitizer: ___________

Central Index Key Number of securitizer: ___________

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

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

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

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

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

Central Index Key Number of depositor: 0001991364

---

| |
|:---|
| &nbsp;&nbsp;**Chase Home Lending Mortgage Trust 2026-5** |
| &nbsp;&nbsp;(Exact name of issuing entity as specified in its charter) |

---

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

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

---

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

---

**INFORMATION TO BE INCLUDED IN THE REPORT**

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

N/A

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

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

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

**SIGNATURES**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;Date: April 27, 2026 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. (Depositor)<br>By: <u>/s/ Bithun John</u> <br> Name: Bithun John<br> Title: President |

---

**EXHIBIT INDEX**

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

99.2 AMC Pool 1 Rating Agency Grades

99.3 AMC Pool 1 Exception Grades

99.4 AMC Pool 1 Valuation Report

99.5 AMC Pool 1 Data Compare Summary

99.6 AMC Pool 1 Data Compare

99.7 AMC Pool 2 Executive Summary

99.8 AMC Pool 2 Rating Agency Grades

99.9 AMC Pool 2 Exception Grades

99.10 AMC Pool 2 Valuation Report

99.11 AMC Pool 2 Data Compare Summary

99.12 AMC Pool 2 Data Compare

## Exhibit 99.1

**Exhibit 99.1**

![](n5861amc_logo.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("**AMC**") performed certain due diligence services described below on non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of JPMorgan Chase Bank, N.A. ("**Client**") during February 2026 via files imaged and provided by JPMorgan Chase Bank, N.A. for review (the "**Review**").

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

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

The Review was conducted on a total population of five (5) 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:

---

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

---

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

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

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

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

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

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Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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

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

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

**DU/LP/Turbo Review** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 4.0 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.

 

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*<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:

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

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

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

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
TIL;

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

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

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

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

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

**(9) Disclaimer.**

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

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY**

There were five (5) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, three (3) loans had an Overall loan grade of "A", and two (2) loans had an Overall loan grade of "B".

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**3** |
| &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;**3** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the five (5) loans reviewed, under the applicable NRSRO grading criteria, three (3) loans had a Compliance Review "A" grade, and two (2) loans had a Compliance Review grade of "B".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the five (5) loans reviewed, under the applicable NRSRO grading criteria, all the loans had a Property Review "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**CREDIT REVIEW RESULTS SUMMARY**

Of the five (5) loans reviewed, under the applicable NRSRO grading criteria, all five (5) loans had a Credit Review "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &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% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the five (5) mortgage loans reviewed, no loans had any tape discrepancies.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| Amortization Term | 0 | 5 | 0.00% | 5 |
| Amortization Type | 0 | 5 | 0.00% | 5 |
| Appraisal Effective Date | 0 | 5 | 0.00% | 5 |
| Appraised Value | 0 | 5 | 0.00% | 5 |
| Balloon Flag | 0 | 5 | 0.00% | 5 |
| Borrower Qualifying FICO | 0 | 5 | 0.00% | 5 |
| City | 0 | 5 | 0.00% | 5 |
| Coborrower Qualifying FICO | 0 | 5 | 0.00% | 5 |
| Contract Sales Price | 0 | 4 | 0.00% | 5 |
| Initial Rate Lock Date | 0 | 5 | 0.00% | 5 |
| Investor: Qualifying Total Debt Ratio | 0 | 5 | 0.00% | 5 |
| Lien Position | 0 | 5 | 0.00% | 5 |
| Note Date | 0 | 5 | 0.00% | 5 |
| Occupancy | 0 | 5 | 0.00% | 5 |
| Original CLTV | 0 | 5 | 0.00% | 5 |
| Original Interest Rate | 0 | 5 | 0.00% | 5 |
| Original Loan Amount | 0 | 5 | 0.00% | 5 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**119** | &nbsp;&nbsp;**0.00%** | &nbsp;&nbsp;**5** |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Originator Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$6526000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$6526000.00** | &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;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$6526000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$6526000.00** | &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;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$6526000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$6526000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;4 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;$5486000.00 | &nbsp;&nbsp;84.06% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;$1040000.00 | &nbsp;&nbsp;15.94% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$6526000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$6526000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$6526000.00** | &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;2 | &nbsp;&nbsp;40.00% | &nbsp;&nbsp;$2920000.00 | &nbsp;&nbsp;44.74% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;3 | &nbsp;&nbsp;60.00% | &nbsp;&nbsp;$3606000.00 | &nbsp;&nbsp;55.26% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$6526000.00** | &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;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$6526000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$6526000.00** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

![](n5861amc_logo.jpg)

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

**EXCEPTION DETAIL**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Exception** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |

---

14 \| P a g e

## Exhibit 99.2

**Exhibit 99.2**

---

| |
|:---|
| ![](situsamc_logo.jpg) |
| **Rating Agency Grades** |
| **Run Date - 4/13/2026 11:26:37 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** |
| 225084623 |  | 3158623686 |  |  | A | C | A | C | A | A | A | A |  |
| 225084715 |  | 3158623874 |  |  | A | A | A | A | A | A | A | A |  |
| 225084726 |  | 3158623899 |  |  | C | C | A | C | A | B | A | B |  |
| 225084743 |  | 3158623943 |  |  | A | D | C | D | A | B | A | B |  |
| 225084768 |  | 3158623956 |  |  | A | A | A | A | A | A | A | A |  |

---

## Exhibit 99.3

**Exhibit 99.3**

---

| |
|:---|
| ![](situsamc_logo.jpg) |
| **Exception Grades** |
| **Run Date - 4/13/2026 11:26:37 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** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 225084623 |  | 3158623686 |  | 35807937 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2026-03-11): appraisal receipt received<br>Buyer Comment (2026-03-11): See appraisal receipt. | 03/11/2026 |  |  | 1 B A | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084623 |  | 3158623686 |  | 35807938 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2026-03-11): appraisal receipt received<br>Buyer Comment (2026-03-11): See Appraisal receipt | 03/11/2026 |  |  | 1 B A | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084623 |  | 3158623686 |  | 35807940 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. A Post-Close CD was issued with changes to the escrow information on page 2; however, a revised Initial Escrow Account Disclosure was not issued. |  |  |  | Reviewer Comment (2026-03-11): updated IEADS received<br>Buyer Comment (2026-03-11): Please see attached IEADS. | 03/11/2026 |  |  | 1 B A | CA | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084623 |  | 3158623686 |  | 35807941 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Title - Endorsement fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-11): PCCD sent prior to TPR review shows the fee was removed<br>Buyer Comment (2026-03-11): See PCCD<br>Buyer Comment (2026-03-11): See IEADS<br>Buyer Comment (2026-03-11): Please see PCCD | 03/11/2026 |  |  | 1 C A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084726 |  | 3158623899 |  | 35808854 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | The file is missing a copy of E-sign consent agreement. |  |  |  | Reviewer Comment (2026-02-18): evidence of econsent form received<br>Buyer Comment (2026-02-17): E Consent received electronically | 02/18/2026 |  |  | 1 C A | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084726 |  | 3158623899 |  | 35808870 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate |  |  |  | Reviewer Comment (2026-02-24): PCCD, LOX, refund check, and proof of mailing received<br>Buyer Comment (2026-02-24): Please see PCCD & Refund sent to the customer.<br>Reviewer Comment (2026-02-22): CHD Ticket 52737 Mail away/shipping fee:<br> Can be excluded from prepaid finance charge calculation with LOE from lender confirming Mail away/shipping charge is associated with employee relocation as supported by corporate relocation document provided and lender does not require the particular service, does not require the imposition of the charge, and does not retain a portion of the third-party charge<br> Title Admin Fee<br> Email from provider enumerates services that include excludable 4(c)(7) charges (doc prep) as well as charges that would be considered prepaid finance charges (administration/coordination type fees, closing, storage and technology fees). Portions of the fee allocated for 4c7 purposes can be excluded with an itemization/breakdown, otherwise, entire fee is treated as a finance charge.<br>Buyer Comment (2026-02-20): Do not Concur. See attached LOX from title regarding the Title-Admin fee $[Redacted] should not be included as a prepaid fee<br>Reviewer Comment (2026-02-20): [Redacted] received additional information on lender finance charge calculation and fees. Information states the $[Redacted] Title-Mail away/Shipping fee was the required fee for mail-away & Saturday delivery. Information also states borrower relocation transaction. [Redacted] has broken out the Title-e-recording fee as $[Redacted] and is still a finance charge & the Title-Recording Fee $[Redacted] and still a finance charge. The information provided however, does not clarify the services and purpose provided of the Title-Mail away/Shipping fee and as this fee is in Section B (Services required by lender) which typically relates to lender related fees and not optional borrower chosen fees. Courier/Messenger fees are typically a finance charge and related to the extension of credit. We are unable to determine if these would not be based on the provided documents. Please note that the total underdisclosure is $[Redacted] and if this fee is determined not to be a finance charge, there would still be underdisclosure over tolerance. This appears to possibly be the $[Redacted] Title-Admin Fee that lender may not have included. File does not reflect a compliance report or breakdown of all lender finance charge calculations in order for [Redacted] to confirm/determine the discrepancies. Lender can provide a lender attestation specifically addressing the services/purposse of the fee(s) in question for further review if a finance charge. Cure would include a corrected CD, LOE to borrower, copy of cure refund of $[Redacted] and proof of mailing otherwise. The breakdown of fees by [Redacted] are: Flood Cert $5, Discount $[Redacted], Prepaid Int $[Redacted], Processing fee $[Redacted], Tax service $[Redacted], Title-Courier $[Redacted] (broken out as $[Redacted] on title-mail away/shipping & $[Redacted] title-shipping & Handling), Title-eRecording fee $[Redacted], Title-Recording Fee $[Redacted], Title-Admin Fee $[Redacted] & Financial Verif Fee $[Redacted].<br>Buyer Comment (2026-02-19): Please advise, [Redacted] has included the Recording Fee for $[Redacted], the Shipping & Handling Fee for $[Redacted], and the ERecording Fee for $[Redacted] as pre-paid fees for the finance charge calculation, the $[Redacted] Mail Away / Shipping fee was broken down on the final title fee sheet as two separate fees of $[Redacted] and $[Redacted]. This is a corporate relocation loan with the customer's company paying a significant portion of the closing fees and customer moving which requires additional mailing fees. Please see additional system snips showing that [Redacted] included fees as pre-paid, Final Title Fee sheet, Corp Relocation doc, and e-mail from title and advise.<br>Reviewer Comment (2026-02-18): Title - Courier Fee includes Title - Shipping and Handling - $[Redacted] and Title - Mail Away/Shipping - $[Redacted]. Title - Recording services Fee includes Title - eRecording Fee - $[Redacted] and Title - Recording Fee - $[Redacted].<br>Buyer Comment (2026-02-17): Please clarify what fees AMC is lumping together for the Title-courier fees $[Redacted] and the Title-recording services $[Redacted] to do further research |  | 02/24/2026 |  | 2 C B | NC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084726 |  | 3158623899 |  | 35808871 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold |  |  |  | Reviewer Comment (2026-02-24): PCCD, LOX, refund check and proof of mailing received<br>Buyer Comment (2026-02-24): Please see PCCD & Refund sent to the customer.<br>Reviewer Comment (2026-02-22): CHD Ticket 52737 Mail away/shipping fee:<br> Can be excluded from prepaid finance charge calculation with LOE from lender confirming Mail away/shipping charge is associated with employee relocation as supported by corporate relocation document provided and lender does not require the particular service, does not require the imposition of the charge, and does not retain a portion of the third-party charge<br> Title Admin Fee<br> Email from provider enumerates services that include excludable 4(c)(7) charges (doc prep) as well as charges that would be considered prepaid finance charges (administration/coordination type fees, closing, storage and technology fees). Portions of the fee allocated for 4c7 purposes can be excluded with an itemization/breakdown, otherwise, entire fee is treated as a finance charge.<br>Buyer Comment (2026-02-20): Do not Concur. See attached LOX from title regarding the Title-Admin fee $[Redacted] should not be included as a prepaid fee<br>Reviewer Comment (2026-02-20): [Redacted] received additional information on lender finance charge calculation and fees. Information states the $[Redacted] Title-Mail away/Shipping fee was the required fee for mail-away & Saturday delivery. Information also states borrower relocation transaction. [Redacted] has broken out the Title-e-recording fee as $[Redacted] and is still a finance charge & the Title-Recording Fee $[Redacted] and still a finance charge. The information provided however, does not clarify the services and purpose provided of the Title-Mail away/Shipping fee and as this fee is in Section B (Services required by lender) which typically relates to lender related fees and not optional borrower chosen fees. Courier/Messenger fees are typically a finance charge and related to the extension of credit. We are unable to determine if these would not be based on the provided documents. Please note that the total underdisclosure is $[Redacted] and if this fee is determined not to be a finance charge, there would still be underdisclosure over tolerance. This appears to possibly be the $[Redacted] Title-Admin Fee that lender may not have included. File does not reflect a compliance report or breakdown of all lender finance charge calculations in order for [Redacted] to confirm/determine the discrepancies. Lender can provide a lender attestation specifically addressing the services/purposse of the fee(s) in question for further review if a finance charge. Cure would include a corrected CD, LOE to borrower, copy of cure refund of $[Redacted] and proof of mailing otherwise. The breakdown of fees by [Redacted] are: Flood Cert $5, Discount $[Redacted], Prepaid Int $[Redacted], Processing fee $[Redacted], Tax service $[Redacted], Title-Courier $[Redacted] (broken out as $[Redacted] on title-mail away/shipping & $[Redacted] title-shipping & Handling), Title-eRecording fee $[Redacted], Title-Recording Fee $[Redacted], Title-Admin Fee $[Redacted] & Financial Verif Fee $[Redacted].<br>Buyer Comment (2026-02-19): Please advise, [Redacted] has included the Recording Fee for $[Redacted], the Shipping & Handling Fee for $[Redacted], and the ERecording Fee for $[Redacted] as pre-paid fees for the finance charge calculation, the $[Redacted] Mail Away / Shipping fee was broken down on the final title fee sheet as two separate fees of $[Redacted] and $[Redacted]. This is a corporate relocation loan with the customer's company paying a significant portion of the closing fees and customer moving which requires additional mailing fees. Please see additional system snips showing that [Redacted] included fees as pre-paid, Final Title Fee sheet, Corp Relocation doc, and e-mail from title and advise.<br>Reviewer Comment (2026-02-18): Title - Courier Fee includes Title - Shipping and Handling - $[Redacted] and Title - Mail Away/Shipping - $[Redacted]. Title - Recording services Fee includes Title - eRecording Fee - $[Redacted] and Title - Recording Fee - $[Redacted].<br>Buyer Comment (2026-02-17): Please clarify what fees AMC is lumping together for the Title-courier fees $[Redacted] and the Title-recording services $[Redacted] to do further research |  | 02/24/2026 |  | 2 C B | NC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084743 |  | 3158623943 |  | 35814294 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and 442 is not in images. |  |  |  | Reviewer Comment (2026-02-18): escrow holdback form received<br>Buyer Comment (2026-02-18): The completion of the basement is in escrow holdback | 02/18/2026 |  |  | 1 C A | GA | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084743 |  | 3158623943 |  | 35814334 |  | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Estimated Values | Final Closing Disclosure used for fees provided on [Redacted] contains estimated values that may not represent final terms or closing costs to the borrower. Estimated Closing Disclosure used for any applicable Federal, State or Local compliance testing. If documented evidence is provided that estimate was for repair/construction costs or tax/insurance escrows ONLY (no holdback service fees or other estimated fees), then Estimated Closing Disclosure exception may be cleared. | Final Closing Disclosure used for fees provided on [Redacted] contains estimated values that may not represent final terms or closing costs to the borrower. If documented evidence is provided that estimate was for repair/construction costs or tax/insurance escrows ONLY (no holdback service fees or other estimated fees), then Estimated Closing Disclosure exception may be cleared. |  |  |  | Reviewer Comment (2026-02-18): The completion of the basement is in escrow holdback documentation is acceptable to resolve this issue.<br>Buyer Comment (2026-02-18): Do not Concur. There was a revised CD due to Revised escrow holdback. Customer was aware and signed even though no signature was required. No cure due back. No tolerance fees increased either. | 02/18/2026 |  |  | 1 D A | GA | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084743 |  | 3158623943 |  | 35814335 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | Issue appears to have been corrected on the Post-closing CD in file; however, for a full cure the following additional items are needed: 1) LOX to the borrowers, 2) proof of delivery, and 3) copy of the refund check for the underdisclosed amount. |  |  |  | Reviewer Comment (2026-02-26): PCCD, LOX, refund check, and proof of mailing received<br>Buyer Comment (2026-02-25): Please see PCCD and Refund sent to the customer<br>Reviewer Comment (2026-02-23): [Redacted] received rebuttal on Title-Doc Prep Escrow/Agreement for $[Redacted]. However, the issue is not that this is a finance charge, the exception relates to the TOP calculation which was underdisclosed on the Final CD provided to borrower. Please note Final CD is issued on [Redacted], Doc ID 0818, which does not reflect the fee in question on page 2 or within the Section D totals, amount of $[Redacted]. TOP was disclosed as $[Redacted]. Consummation date [Redacted] based on Notary date. Post Close CD's were provided that added the $[Redacted] Title-Doc Prep Escrow Agreement issued [Redacted] fee in Section C, which then increased the Section D total to $[Redacted]. TOP was then redisclosed post close at $[Redacted]. Total of Payments (TOP) was underdisclosed by $[Redacted] on the final CD. Cure is due to borrower for that underdisclosure with Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. Final settlement statement reflects the fee was charged borrower.<br>Buyer Comment (2026-02-23): Do not Concur. Please see attached LOX from title showing the title-Doc prep escrow agreement fee is not a prepaid fee, see calculations of TOP being in tolerance, and also signed Escrow agreement for postponed improvements.<br>Reviewer Comment (2026-02-20): The provided [Redacted] CD in trailing documents is incomplete. Based on the documents provided in the loan file the [Redacted] PCCD shows a fee increase of $[Redacted] for document prep. The TOP exception appears to be valid based on the loan file. The closing statement (not signed, not stamped) shows the $[Redacted] fee as well. No cure has been provided and there doesn't seem to be any cure provided, or any reason a cure would not be required. TOP is under disclosed in the amount of $[Redacted].<br>Buyer Comment (2026-02-20): Please see attached final fee sheet and appraisal subject to repairs<br>Reviewer Comment (2026-02-19): The Final CD disclosed Section D fees at $[Redacted]. [Redacted] PCCD had increase in the Section D fees to $[Redacted]. TOP was underdisclosed $[Redacted]. Calculated at $[Redacted] but disclosed on Final CD as $[Redacted]. At closing the final CD was underdiscliosed to borrower for the TOP calculation. Cure would be due unless lender disclosed fees based on best available information provided to them by provider that borrower shopped for. 1026.19 and 1026.17 require the creditor to disclose actual terms and costs of the transaction based on the best information reasonably available. The "reasonably available" standard requires that the creditor to act in good faith and exercise due diligence in obtaining the information. Please request document relied upon by creditor as basis for fee amounts disclosed on the CD to establish that creditor exercised diligence in obtaining the information and amounts disclosed were based on best information reasonably available to creditor at time of disclosure to address exception. A lender attestation would also be required that charge due to an event occurring after disclosures were provided and was not known to the creditor at time of disclosure and that changes resulted from an after-closing event and that lender used due diligence and based final CD on figures most available. Would need to provide proof of the document used for figures, such as estimated settlement statement.<br>Buyer Comment (2026-02-18): Do not Concur. There was a revised CD due to Revised escrow holdback. Customer was aware and signed even though no signature was required. No cure due back. No tolerance fees increased either. |  | 02/26/2026 |  | 2 C B | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |

---

## Exhibit 99.4

**Exhibit 99.4**

---

| |
|:---|
| ![](situsamc_logo.jpg) |
| **Valuation Report** |
| **Run Date - 4/13/2026 11:26:37 AM** |

---

---

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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** |
| 225084623 |  | 3158623686 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225084715 |  | 3158623874 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.820% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.820% |  |  |  |  |  |  |  |  | No |  | 3.00 |
| 225084726 |  | 3158623899 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.10 |
| 225084743 |  | 3158623943 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 |
| 225084768 |  | 3158623956 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |

---

## Exhibit 99.5

**Exhibit 99.5**

---

| |
|:---|
| ![](situsamc_logo.jpg) |
| **Data Compare Summary (Total)** |
| **Run Date - 4/13/2026 11:26:25 AM** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 0 | 5 | 0.00% | 5 |
| State | 0 | 5 | 0.00% | 5 |
| Zip | 0 | 5 | 0.00% | 5 |
| Note Date | 0 | 5 | 0.00% | 5 |
| Original Loan Amount | 0 | 5 | 0.00% | 5 |
| Amortization Term | 0 | 5 | 0.00% | 5 |
| Original Interest Rate | 0 | 5 | 0.00% | 5 |
| Borrower Qualifying FICO | 0 | 5 | 0.00% | 5 |
| Coborrower Qualifying FICO | 0 | 5 | 0.00% | 5 |
| Amortization Type | 0 | 5 | 0.00% | 5 |
| Representative FICO | 0 | 5 | 0.00% | 5 |
| Property Type | 0 | 5 | 0.00% | 5 |
| Lien Position | 0 | 5 | 0.00% | 5 |
| Occupancy | 0 | 5 | 0.00% | 5 |
| Purpose | 0 | 5 | 0.00% | 5 |
| Appraised Value | 0 | 5 | 0.00% | 5 |
| Balloon Flag | 0 | 5 | 0.00% | 5 |
| Original CLTV | 0 | 5 | 0.00% | 5 |
| Original LTV | 0 | 5 | 0.00% | 5 |
| Origination Channel | 0 | 5 | 0.00% | 5 |
| Appraisal Effective Date | 0 | 5 | 0.00% | 5 |
| Investor: Qualifying Total Debt Ratio | 0 | 5 | 0.00% | 5 |
| Initial Rate Lock Date | 0 | 5 | 0.00% | 5 |
| Contract Sales Price | 0 | 4 | 0.00% | 5 |
| **Total** | **0** | **119** | **0.00%** | **5** |

---

## Exhibit 99.6

**Exhibit 99.6**

---

| |
|:---|
| ![](situsamc_logo.jpg) |
| **Data Compare (Non-Ignored)** |
| **Run Date - 4/13/2026 11:24:41 AM** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |

---

## Exhibit 99.7

**Exhibit 99.7**

![](n5861amc_logo.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 April 2026 via files imaged and provided by JPMorgan Chase Bank, N.A. for review (the "**Review**").

The loans in the Review carried origination dates between October 2024 and February 2026.

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

The Review was conducted on a total population of two hundred forty-seven (247) loans. Two hundred forty-seven (247) loans were randomly selected by AMC from a population of four hundred thirteen (413) loans. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

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

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

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

---

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

---

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

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

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

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

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

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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 4.0 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 two hundred forty-seven (247) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, thirty-nine (39) (15.79%) loans had an Overall loan grade of "B", and two (2) (0.81%) loans had an Overall loan grade of "C".

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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;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;50 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |

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| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;TILA | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***60*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**63** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***25*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**25** |
| &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;**88** |

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**COMPLIANCE RESULTS SUMMARY**

Of the two hundred forty-seven (247) loans reviewed, under the applicable NRSRO grading criteria, eighteen (18) loans (7.29%) had a Compliance Review "B" grade, and two (2) loans (0.81%) 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;227 | &nbsp;&nbsp;91.90% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;7.29% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

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

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;247 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**CREDIT REVIEW RESULTS SUMMARY**

Of the two hundred forty-seven (247) loans reviewed, under the applicable NRSRO grading criteria, two hundred twenty-two (222) mortgage loans (89.88%) of the total received an "A" Credit Review grade. Twenty-five (25) mortgage loans (10.12%) 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.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;222 | &nbsp;&nbsp;89.88% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;25 | &nbsp;&nbsp;10.12% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred forty-seven (247) mortgage loans reviewed, sixty-two (62) (25.10%) mortgage loans had tape discrepancies across fifteen (15) unique data fields. The most common tape discrepancies were Initial Rate Lock Date (15.38%), Investor: Qualifying Total Debt Ratio (4.45%), and Borrower Qualifying FICO (3.24%). 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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![](n5861amc_logo.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;1 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;247 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;8 | &nbsp;&nbsp;247 | &nbsp;&nbsp;3.24% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;147 | &nbsp;&nbsp;1.36% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;7 | &nbsp;&nbsp;247 | &nbsp;&nbsp;2.83% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;38 | &nbsp;&nbsp;247 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;11 | &nbsp;&nbsp;247 | &nbsp;&nbsp;4.45% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.81% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.81% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.81% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;4 | &nbsp;&nbsp;247 | &nbsp;&nbsp;1.62% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**84** | &nbsp;&nbsp;**6075** | &nbsp;&nbsp;**1.38%** | &nbsp;&nbsp;**247** |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Originator Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Higher Priced QM (APOR) | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;$381000.00 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;244 | &nbsp;&nbsp;98.79% | &nbsp;&nbsp;$302682012.00 | &nbsp;&nbsp;99.87% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$303063012.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;246 | &nbsp;&nbsp;99.60% | &nbsp;&nbsp;$300817672.00 | &nbsp;&nbsp;99.26% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;$2245340.00 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$303063012.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;247 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$303063012.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$303063012.00** | &nbsp;&nbsp;**100.00%** |

---

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![](n5861amc_logo.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;21 | &nbsp;&nbsp;8.50% | &nbsp;&nbsp;$28725941.00 | &nbsp;&nbsp;9.48% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;$1840000.00 | &nbsp;&nbsp;0.61% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;45 | &nbsp;&nbsp;18.22% | &nbsp;&nbsp;$43266382.00 | &nbsp;&nbsp;14.28% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;126 | &nbsp;&nbsp;51.01% | &nbsp;&nbsp;$164903826.00 | &nbsp;&nbsp;54.41% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;54 | &nbsp;&nbsp;21.86% | &nbsp;&nbsp;$64326863.00 | &nbsp;&nbsp;21.23% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$303063012.00** | &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;0-120 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;$1238000.00 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;$2383245.00 | &nbsp;&nbsp;0.79% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.24% | &nbsp;&nbsp;$9069618.00 | &nbsp;&nbsp;2.99% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;235 | &nbsp;&nbsp;95.14% | &nbsp;&nbsp;$290372149.00 | &nbsp;&nbsp;95.81% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$303063012.00** | &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;117 | &nbsp;&nbsp;47.37% | &nbsp;&nbsp;$159286806.00 | &nbsp;&nbsp;52.56% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;21 | &nbsp;&nbsp;8.50% | &nbsp;&nbsp;$13506200.00 | &nbsp;&nbsp;4.46% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.48% | &nbsp;&nbsp;$13575214.00 | &nbsp;&nbsp;4.48% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;14 | &nbsp;&nbsp;5.67% | &nbsp;&nbsp;$12689465.00 | &nbsp;&nbsp;4.19% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;72 | &nbsp;&nbsp;29.15% | &nbsp;&nbsp;$94041026.00 | &nbsp;&nbsp;31.03% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;$1325250.00 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.62% | &nbsp;&nbsp;$5240301.00 | &nbsp;&nbsp;1.73% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;$1880000.00 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;$1518750.00 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$303063012.00** | &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;219 | &nbsp;&nbsp;88.66% | &nbsp;&nbsp;$268858466.00 | &nbsp;&nbsp;88.71% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;28 | &nbsp;&nbsp;11.34% | &nbsp;&nbsp;$34204546.00 | &nbsp;&nbsp;11.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$303063012.00** | &nbsp;&nbsp;**100.00%** |

---

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

**EXCEPTION DETAIL**

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

14 \| P a g e

![](n5861amc_logo.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, Moody's, and S&P Exceptions** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &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;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - QM | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure AIR Table Subsequent Change Frequency | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure AP Table Maximum Payment | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure AP Table Subsequent Changes Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 Construction Permanent | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Estimated Total Minimum Payment Construction Permanent Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Payment Max Amount | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Payment Max Amount In Year | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Product Testing | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;ARM Disclosure Compliant Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Guideline Requirement: Total cash-out discrepancy. | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;1 |

---

15 \| P a g e

## Exhibit 99.8

**Exhibit 99.8**

---

| |
|:---|
| ![](situsamc_logo.jpg) |
| **Rating Agency Grades** |
| **Run Date - 4/22/2026 9:57:23 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** |
| 225406202 |  | 3158623669 |  |  | A | A | A | A | A | A | A | A |  |
| 225406203 |  | 3158623670 |  |  | A | A | A | A | A | A | A | A |  |
| 225406204 |  | 3158623673 |  |  | A | A | A | A | A | A | A | A |  |
| 225406205 |  | 3158623674 |  |  | A | A | A | A | A | A | A | A |  |
| 225406206 |  | 3158623677 |  |  | A | B C | D | D | A | A | A | A |  |
| 225406207 |  | 3158623679 |  |  | A | A | A | A | A | A | A | A |  |
| 225406208 |  | 3158623683 |  |  | A | A | A | A | A | A | A | A |  |
| 225406209 |  | 3158623684 |  |  | A | A | A | A | A | A | A | A |  |
| 225406210 |  | 3158623687 |  |  | C | C | D | D | A | A | A | A |  |
| 225406211 |  | 3158623688 |  |  | A | A | A | A | A | A | A | A |  |
| 225406212 |  | 3158623689 |  |  | A | C | A | C | A | A | A | A |  |
| 225406213 |  | 3158623690 |  |  | B | A | A | B | B | A | A | B |  |
| 225406214 |  | 3158623693 |  |  | A | B | A | B | A | A | A | A |  |
| 225406215 |  | 3158623696 |  |  | A | A | A | A | A | A | A | A |  |
| 225406216 |  | 3158623697 |  |  | A | A | A | A | A | A | A | A |  |
| 225406217 |  | 3158623698 |  |  | A | A | A | A | A | A | A | A |  |
| 225406218 |  | 3158623700 |  |  | A | A | A | A | A | A | A | A |  |
| 225406219 |  | 3158623703 |  |  | A | A | A | A | A | A | A | A |  |
| 225406220 |  | 3158623708 |  |  | A | A | A | A | A | A | A | A |  |
| 225406221 |  | 3158623709 |  |  | A | A | A | A | A | A | A | A |  |
| 225406222 |  | 3158623710 |  |  | A | A | A | A | A | A | A | A |  |
| 225406223 |  | 3158623711 |  |  | A | A | A | A | A | A | A | A |  |
| 225406224 |  | 3158623712 |  |  | A | A | A | A | A | A | A | A |  |
| 225406225 |  | 3158623714 |  |  | A | A | A | A | A | A | A | A |  |
| 225406226 |  | 3158623715 |  |  | A | A | A | A | A | A | A | A |  |
| 225406227 |  | 3158623720 |  |  | C | A | A | C | A | A | A | A |  |
| 225406228 |  | 3158623723 |  |  | A | A | A | A | A | A | A | A |  |
| 225406229 |  | 3158623724 |  |  | B | A | A | B | B | A | A | B |  |
| 225406230 |  | 3158623725 |  |  | A | A | A | A | A | A | A | A |  |
| 225406231 |  | 3158623726 |  |  | A | A | A | A | A | A | A | A |  |
| 225406232 |  | 3158623728 |  |  | A | A | A | A | A | A | A | A |  |
| 225406233 |  | 3158623729 |  |  | A | A | A | A | A | A | A | A |  |
| 225406234 |  | 3158623733 |  |  | A | A | A | A | A | A | A | A |  |
| 225406235 |  | 3158623736 |  |  | B | A | A | B | B | A | A | B |  |
| 225406236 |  | 3158623737 |  |  | A | C | A | C | A | A | A | A |  |
| 225406237 |  | 3158623738 |  |  | A | A | A | A | A | A | A | A |  |
| 225406238 |  | 3158623739 |  |  | A | A | A | A | A | A | A | A |  |
| 225406239 |  | 3158623740 |  |  | A | C | A | C | A | A | A | A |  |
| 225406240 |  | 3158623741 |  |  | A | A | A | A | A | A | A | A |  |
| 225406241 |  | 3158623742 |  |  | A | A | A | A | A | A | A | A |  |
| 225406242 |  | 3158623743 |  |  | A | C | C | C | A | A | A | A |  |
| 225406243 |  | 3158623744 |  |  | A | A | A | A | A | A | A | A |  |
| 225406244 |  | 3158623746 |  |  | A | A | A | A | A | A | A | A |  |
| 225406245 |  | 3158623751 |  |  | A | A | A | A | A | A | A | A |  |
| 225406246 |  | 3158623752 |  |  | A | A | A | A | A | A | A | A |  |
| 225406247 |  | 3158623753 |  |  | A | C | A | C | A | A | A | A |  |
| 225406248 |  | 3158623754 |  |  | A | A | A | A | A | A | A | A |  |
| 225406249 |  | 3158623755 |  |  | A | A | A | A | A | A | A | A |  |
| 225406250 |  | 3158623761 |  |  | A | A | A | A | A | A | A | A |  |
| 225406251 |  | 3158623763 |  |  | A | A | A | A | A | A | A | A |  |
| 225406252 |  | 3158623764 |  |  | A | A | A | A | A | A | A | A |  |
| 225406253 |  | 3158623765 |  |  | A | A | A | A | A | A | A | A |  |
| 225406254 |  | 3158623766 |  |  | A | A | A | A | A | A | A | A |  |
| 225406255 |  | 3158623768 |  |  | A | C | A | C | A | A | A | A |  |
| 225406256 |  | 3158623770 |  |  | A | A | A | A | A | A | A | A |  |
| 225406257 |  | 3158623771 |  |  | B | C | A | C | B | B | A | B |  |
| 225406258 |  | 3158623772 |  |  | A | A | A | A | A | A | A | A |  |
| 225406259 |  | 3158623773 |  |  | A | A | A | A | A | A | A | A |  |
| 225406260 |  | 3158623774 |  |  | A | C | A | C | A | B | A | B |  |
| 225406261 |  | 3158623776 |  |  | C | C | A | C | A | A | A | A |  |
| 225406262 |  | 3158623778 |  |  | B | A | A | B | B | A | A | B |  |
| 225406263 |  | 3158623783 |  |  | A | A | A | A | A | A | A | A |  |
| 225406264 |  | 3158623784 |  |  | A | A | A | A | A | A | A | A |  |
| 225406265 |  | 3158623785 |  |  | C | A | A | C | A | A | A | A |  |
| 225406266 |  | 3158623786 |  |  | A | A | A | A | A | A | A | A |  |
| 225406267 |  | 3158623788 |  |  | C | B | A | C | A | A | A | A |  |
| 225406268 |  | 3158623789 |  |  | A | A | A | A | A | A | A | A |  |
| 225406269 |  | 3158623790 |  |  | A | A | A | A | A | A | A | A |  |
| 225406270 |  | 3158623791 |  |  | A | A | A | A | A | A | A | A |  |
| 225406271 |  | 3158623792 |  |  | A | A | A | A | A | A | A | A |  |
| 225406272 |  | 3158623793 |  |  | A | A | A | A | A | A | A | A |  |
| 225406273 |  | 3158623794 |  |  | A | C | D | D | A | A | A | A |  |
| 225406274 |  | 3158623796 |  |  | A | A | A | A | A | A | A | A |  |
| 225406275 |  | 3158623797 |  |  | A | C | A | C | A | A | A | A |  |
| 225406276 |  | 3158623799 |  |  | A | C | A | C | A | B | A | B |  |
| 225406277 |  | 3158623800 |  |  | A | A | D | D | A | A | A | A |  |
| 225406278 |  | 3158623801 |  |  | A | A | A | A | A | A | A | A |  |
| 225406279 |  | 3158623802 |  |  | A | C | A | C | A | A | A | A |  |
| 225406280 |  | 3158623803 |  |  | A | C | A | C | A | A | A | A |  |
| 225406281 |  | 3158623805 |  |  | A | C | A | C | A | A | A | A |  |
| 225406282 |  | 3158623806 |  |  | C | C | A | C | B | A | A | B |  |
| 225406283 |  | 3158623810 |  |  | A | A | A | A | A | A | A | A |  |
| 225406284 |  | 3158623811 |  |  | A | A | A | A | A | A | A | A |  |
| 225406285 |  | 3158623813 |  |  | A | C | A | C | A | A | A | A |  |
| 225406286 |  | 3158623815 |  |  | A | A | A | A | A | A | A | A |  |
| 225406287 |  | 3158623817 |  |  | A | A | A | A | A | A | A | A |  |
| 225406288 |  | 3158623818 |  |  | A | C | A | C | A | A | A | A |  |
| 225406289 |  | 3158623819 |  |  | C | B | A | C | B | A | A | B |  |
| 225406290 |  | 3158623820 |  |  | A | A | A | A | B | A | A | B |  |
| 225406291 |  | 3158623822 |  |  | C | A | A | C | A | A | A | A |  |
| 225406292 |  | 3158623823 |  |  | A | A | A | A | A | A | A | A |  |
| 225406293 |  | 3158623824 |  |  | A | A | A | A | A | A | A | A |  |
| 225406294 |  | 3158623825 |  |  | A | A | A | A | A | A | A | A |  |
| 225406295 |  | 3158623826 |  |  | C | C | A | C | A | A | A | A |  |
| 225406296 |  | 3158623827 |  |  | A | A | A | A | A | A | A | A |  |
| 225406297 |  | 3158623828 |  |  | C | C | A | C | A | A | A | A |  |
| 225406298 |  | 3158623830 |  |  | C | C | A | C | A | A | A | A |  |
| 225406299 |  | 3158623831 |  |  | C | B | A | C | A | A | A | A |  |
| 225406300 |  | 3158623832 |  |  | A | A | A | A | A | A | A | A |  |
| 225406301 |  | 3158623833 |  |  | C | C | A | C | A | A | A | A |  |
| 225406302 |  | 3158623834 |  |  | A | C | A | C | A | A | A | A |  |
| 225406303 |  | 3158623835 |  |  | A | C | A | C | A | A | A | A |  |
| 225406304 |  | 3158623836 |  |  | A | C | A | C | A | A | A | A |  |
| 225406305 |  | 3158623837 |  |  | A | C | A | C | A | A | A | A |  |
| 225406306 |  | 3158623838 |  |  | A | C | A | C | A | A | A | A |  |
| 225406307 |  | 3158623840 |  |  | B | C | A | C | B | A | A | B |  |
| 225406308 |  | 3158623842 |  |  | A | C | A | C | A | A | A | A |  |
| 225406309 |  | 3158623843 |  |  | B | C | A | C | B | A | A | B |  |
| 225406310 |  | 3158623844 |  |  | A | A | D | D | A | A | A | A |  |
| 225406311 |  | 3158623846 |  |  | A | C | A | C | A | A | A | A |  |
| 225406312 |  | 3158623847 |  |  | A | C | A | C | A | A | A | A |  |
| 225406313 |  | 3158623848 |  |  | B | C | A | C | B | A | A | B |  |
| 225406314 |  | 3158623851 |  |  | A | A | A | A | A | A | A | A |  |
| 225406315 |  | 3158623852 |  |  | A | A | A | A | A | A | A | A |  |
| 225406316 |  | 3158623855 |  |  | A | C | A | C | A | A | A | A |  |
| 225406317 |  | 3158623856 |  |  | C | A | A | C | A | A | A | A |  |
| 225406318 |  | 3158623857 |  |  | A | A | A | A | A | A | A | A |  |
| 225406319 |  | 3158623859 |  |  | A | A | A | A | A | A | A | A |  |
| 225406320 |  | 3158623860 |  |  | B | C | A | C | B | A | A | B |  |
| 225406321 |  | 3158623862 |  |  | A | A | A | A | A | A | A | A |  |
| 225406322 |  | 3158623864 |  |  | A | C | A | C | A | A | A | A |  |
| 225406323 |  | 3158623866 |  |  | A | A | A | A | A | A | A | A |  |
| 225406324 |  | 3158623867 |  |  | A | C | A | C | B | A | A | B |  |
| 225406325 |  | 3158623868 |  |  | C | A | A | C | A | A | A | A |  |
| 225406326 |  | 3158623871 |  |  | A | C | A | C | A | A | A | A |  |
| 225406327 |  | 3158623873 |  |  | B | C | A | C | B | B | A | B |  |
| 225406328 |  | 3158623875 |  |  | A | A | A | A | A | A | A | A |  |
| 225406329 |  | 3158623876 |  |  | A | A | A | A | A | A | A | A |  |
| 225406330 |  | 3158623877 |  |  | A | A | A | A | A | A | A | A |  |
| 225406331 |  | 3158623878 |  |  | A | C | A | C | A | A | A | A |  |
| 225406332 |  | 3158623879 |  |  | A | C | A | C | A | A | A | A |  |
| 225406333 |  | 3158623881 |  |  | A | C | A | C | A | A | A | A |  |
| 225406334 |  | 3158623882 |  |  | A | C | A | C | A | A | A | A |  |
| 225406335 |  | 3158623883 |  |  | A | A | A | A | A | A | A | A |  |
| 225406336 |  | 3158623884 |  |  | A | C | A | C | A | A | A | A |  |
| 225406337 |  | 3158623886 |  |  | A | C | A | C | A | A | A | A |  |
| 225406338 |  | 3158623888 |  |  | A | C | A | C | A | A | A | A |  |
| 225406339 |  | 3158623890 |  |  | A | A | A | A | A | A | A | A |  |
| 225406340 |  | 3158623891 |  |  | A | C | A | C | A | A | A | A |  |
| 225406341 |  | 3158623892 |  |  | B | C | A | C | B | B | A | B |  |
| 225406342 |  | 3158623893 |  |  | A | B | A | B | A | B | A | B |  |
| 225406343 |  | 3158623894 |  |  | A | A | A | A | A | A | A | A |  |
| 225406344 |  | 3158623895 |  |  | A | C | A | C | A | A | A | A |  |
| 225406345 |  | 3158623896 |  |  | A | C | A | C | A | A | A | A |  |
| 225406346 |  | 3158623897 |  |  | A | C | A | C | A | A | A | A |  |
| 225406347 |  | 3158623898 |  |  | A | C | A | C | A | A | A | A |  |
| 225406348 |  | 3158623902 |  |  | C | C | A | C | A | A | A | A |  |
| 225406349 |  | 3158623903 |  |  | A | A | A | A | A | A | A | A |  |
| 225406350 |  | 3158623904 |  |  | A | C | A | C | A | A | A | A |  |
| 225406351 |  | 3158623905 |  |  | A | C | A | C | A | A | A | A |  |
| 225406352 |  | 3158623907 |  |  | A | A | A | A | A | A | A | A |  |
| 225406353 |  | 3158623912 |  |  | A | C | A | C | A | A | A | A |  |
| 225406354 |  | 3158623914 |  |  | A | C | A | C | A | A | A | A |  |
| 225406355 |  | 3158623916 |  |  | A | C | A | C | A | A | A | A |  |
| 225406356 |  | 3158623918 |  |  | B | C | A | C | B | A | A | B |  |
| 225406357 |  | 3158623923 |  |  | A | C | A | C | A | A | A | A |  |
| 225406358 |  | 3158623924 |  |  | A | A | A | A | A | A | A | A |  |
| 225406359 |  | 3158623925 |  |  | A | A | A | A | A | A | A | A |  |
| 225406360 |  | 3158623926 |  |  | B | C | A | C | B | A | A | B |  |
| 225406361 |  | 3158623927 |  |  | C | A | A | C | A | A | A | A |  |
| 225406362 |  | 3158623929 |  |  | A | C | D | D | A | B | A | B |  |
| 225406363 |  | 3158623930 |  |  | A | C | A | C | A | A | A | A |  |
| 225406364 |  | 3158623932 |  |  | A | C | A | C | A | A | A | A |  |
| 225406365 |  | 3158623934 |  |  | C | B | A | C | A | A | A | A |  |
| 225406366 |  | 3158623935 |  |  | A | C | A | C | A | B | A | B |  |
| 225406367 |  | 3158623938 |  |  | A | C | A | C | A | A | A | A |  |
| 225406368 |  | 3158623939 |  |  | A | C | A | C | A | A | A | A |  |
| 225406369 |  | 3158623944 |  |  | A | A | A | A | B | A | A | B |  |
| 225406370 |  | 3158623945 |  |  | A | C | A | C | A | B | A | B |  |
| 225406371 |  | 3158623947 |  |  | A | A | A | A | A | A | A | A |  |
| 225406372 |  | 3158623948 |  |  | A | C | A | C | A | A | A | A |  |
| 225406373 |  | 3158623949 |  |  | A | C | A | C | A | A | A | A |  |
| 225406374 |  | 3158623951 |  |  | A | A | A | A | A | A | A | A |  |
| 225406375 |  | 3158623952 |  |  | A | B | A | B | A | A | A | A |  |
| 225406376 |  | 3158623953 |  |  | A | C | A | C | A | C | A | C |  |
| 225406377 |  | 3158623957 |  |  | A | A | A | A | A | A | A | A |  |
| 225406378 |  | 3158623960 |  |  | C | B | C | C | A | B | A | B |  |
| 225406379 |  | 3158623961 |  |  | A | A | D | D | A | A | A | A |  |
| 225406380 |  | 3158623963 |  |  | A | A | A | A | A | A | A | A |  |
| 225406381 |  | 3158623966 |  |  | A | A | A | A | A | A | A | A |  |
| 225406382 |  | 3158623968 |  |  | B | C | A | C | B | A | A | B |  |
| 225406383 |  | 3158623971 |  |  | A | A | A | A | A | A | A | A |  |
| 225406384 |  | 3158623973 |  |  | A | A | A | A | A | A | A | A |  |
| 225406385 |  | 3158623974 |  |  | C | A | A | C | A | A | A | A |  |
| 225406386 |  | 3158623975 |  |  | C | C | D | D | A | A | A | A |  |
| 225406387 |  | 3158623976 |  |  | A | A | A | A | A | A | A | A |  |
| 225406388 |  | 3158623977 |  |  | A | A | A | A | A | A | A | A |  |
| 225406389 |  | 3158623978 |  |  | A | A | A | A | A | A | A | A |  |
| 225406390 |  | 3158623979 |  |  | A | A | A | A | A | A | A | A |  |
| 225406391 |  | 3158623981 |  |  | A | B | A | B | A | A | A | A |  |
| 225406392 |  | 3158623983 |  |  | C | C | A | C | A | A | A | A |  |
| 225406393 |  | 3158623988 |  |  | A | A | A | A | A | A | A | A |  |
| 225406394 |  | 3158623990 |  |  | A | A | A | A | A | A | A | A |  |
| 225406395 |  | 3158623993 |  |  | C | C | A | C | A | B | A | B |  |
| 225406396 |  | 3158623994 |  |  | A | A | A | A | A | A | A | A |  |
| 225406397 |  | 3158623995 |  |  | C | B | A | C | A | A | A | A |  |
| 225406398 |  | 3158623999 |  |  | A | A | A | A | A | A | A | A |  |
| 225406399 |  | 3158624000 |  |  | A | A | A | A | A | A | A | A |  |
| 225406400 |  | 3158624001 |  |  | C | A | A | C | A | A | A | A |  |
| 225406401 |  | 3158624002 |  |  | C | C | A | C | A | A | A | A |  |
| 225406402 |  | 3158624003 |  |  | A | A | A | A | A | A | A | A |  |
| 225406403 |  | 3158624004 |  |  | A | A | A | A | A | A | A | A |  |
| 225406404 |  | 3158624005 |  |  | A | B | D | D | A | A | A | A |  |
| 225406405 |  | 3158624008 |  |  | C | B | A | C | A | B | A | B |  |
| 225406406 |  | 3158624009 |  |  | A | A | A | A | A | A | A | A |  |
| 225406407 |  | 3158624011 |  |  | A | A | A | A | A | A | A | A |  |
| 225406408 |  | 3158624012 |  |  | A | B | A | B | A | B | A | B |  |
| 225406409 |  | 3158624013 |  |  | A | A | A | A | A | A | A | A |  |
| 225406410 |  | 3158624014 |  |  | B | C | A | C | B | B | A | B |  |
| 225406411 |  | 3158624015 |  |  | A | C | A | C | A | A | A | A |  |
| 225406412 |  | 3158624017 |  |  | A | C | A | C | A | C | A | C |  |
| 225406413 |  | 3158624018 |  |  | C | C | A | C | A | B | A | B |  |
| 225406414 |  | 3158624019 |  |  | C | C | A | C | A | B | A | B |  |
| 225406415 |  | 3158624022 |  |  | A | A | A | A | A | A | A | A |  |
| 225406416 |  | 3158624023 |  |  | A | A | A | A | A | A | A | A |  |
| 225406417 |  | 3158624025 |  |  | A | B | A | B | A | B | A | B |  |
| 225406418 |  | 3158624026 |  |  | A | A | A | A | A | A | A | A |  |
| 225406419 |  | 3158624028 |  |  | A | A | D | D | A | A | A | A |  |
| 225406420 |  | 3158624029 |  |  | C | A | A | C | A | A | A | A |  |
| 225406421 |  | 3158624030 |  |  | A | A | A | A | A | A | A | A |  |
| 225406422 |  | 3158624031 |  |  | A | C | A | C | A | A | A | A |  |
| 225406423 |  | 3158624037 |  |  | A | A | A | A | A | A | A | A |  |
| 225406424 |  | 3158624038 |  |  | A | A | A | A | A | A | A | A |  |
| 225406425 |  | 3158624042 |  |  | A | A | A | A | A | A | A | A |  |
| 225406426 |  | 3158624047 |  |  | A | C | A | C | A | A | A | A |  |
| 225406427 |  | 3158624050 |  |  | C | B | A | C | A | A | A | A |  |
| 225406428 |  | 3158624052 |  |  | A | B | A | B | A | A | A | A |  |
| 225406429 |  | 3158624053 |  |  | A | C | A | C | A | A | A | A |  |
| 225406430 |  | 3158624055 |  |  | A | A | A | A | A | A | A | A |  |
| 225406431 |  | 3158624057 |  |  | A | A | A | A | A | A | A | A |  |
| 225406432 |  | 3158624060 |  |  | A | B | A | B | A | A | A | A |  |
| 225406433 |  | 3158624061 |  |  | C | A | A | C | B | A | A | B |  |
| 225406434 |  | 3158624063 |  |  | B | A | A | B | B | A | A | B |  |
| 225406435 |  | 3158624064 |  |  | A | A | A | A | A | A | A | A |  |
| 225406436 |  | 3158624065 |  |  | B | C | A | C | B | A | A | B |  |
| 225406437 |  | 3158624066 |  |  | A | A | A | A | A | A | A | A |  |
| 225406438 |  | 3158624067 |  |  | C | C | A | C | A | A | A | A |  |
| 225406439 |  | 3158624071 |  |  | B | C | A | C | B | A | A | B |  |
| 225406440 |  | 3158624072 |  |  | A | A | A | A | A | A | A | A |  |
| 225406441 |  | 3158624073 |  |  | A | C | C | C | A | B | A | B |  |
| 225406442 |  | 3158624074 |  |  | A | A | A | A | A | A | A | A |  |
| 225406443 |  | 3158624075 |  |  | A | C | A | C | A | A | A | A |  |
| 225406444 |  | 3158624076 |  |  | A | A | A | A | A | A | A | A |  |
| 225406445 |  | 3158624081 |  |  | C | C | A | C | A | A | A | A |  |
| 225406446 |  | 3158624084 |  |  | A | A | A | A | A | A | A | A |  |
| 225406447 |  | 3158624086 |  |  | B | C | A | C | B | A | A | B |  |
| 225406448 |  | 3158624087 |  |  | A | A | A | A | A | A | A | A |  |

---

## Exhibit 99.9

**Exhibit 99.9**

---

| |
|:---|
| ![](situsamc_logo.jpg) |
| **Exception Grades** |
| **Run Date - 4/22/2026 9:57:23 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** |
| 225406206 |  | 3158623677 |  | 36230689 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. |  |  |  | Reviewer Comment (2026-04-16): desk review received, with a value supporting the appraisal value<br>Buyer Comment (2026-04-15): See attached CDA<br>Reviewer Comment (2026-04-09): This is NOT a guideline issue, but a securitization requirement for either an AVM or desk review.<br>Buyer Comment (2026-04-09): Do Not Concur - please escalate - per guidelines - The subject collateral is a cooperative unit. SSR scores do not generate for Cooperatives. Every cooperative unit will have FNMA and FHLMC SSR scores of 999. A second valuation would have been required at that time if the loan amount was ≥[Redacted] . The loan balance is $[Redacted].<br>Reviewer Comment (2026-04-08): received a 442 - Certificate of Completion. Need a Desk Review or AVM supporting the appraised value to resolve this issue.<br>Buyer Comment (2026-04-08): Please review document D1145 | 04/16/2026 |  |  | 1 D A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406206 |  | 3158623677 |  | 36230770 |  | 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. | Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-03): Sufficient Cure Provided At Closing |  | 04/03/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406206 |  | 3158623677 |  | 36230771 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the [Redacted] High Cost findings. |  |  |  | Reviewer Comment (2026-04-08): SHQM (APOR) | 04/08/2026 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406210 |  | 3158623687 |  | 36216253 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Valuation effective date was not provided. |  | Waterfall finding due to the missing complete appraisal report. |  |  |  | Reviewer Comment (2026-04-06): full appraisal received<br>Buyer Comment (2026-04-06): Please review uploaded appraisals. | 04/06/2026 |  |  | 1 C A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406210 |  | 3158623687 |  | 36216268 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  |  |  |  |  | Reviewer Comment (2026-04-06): full appraisal received<br>Buyer Comment (2026-04-06): Please review uploaded appraisals. | 04/06/2026 |  |  | 1 D A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406210 |  | 3158623687 |  | 36216270 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Waterfall finding due to the missing complete appraisal report. |  |  |  | Reviewer Comment (2026-04-06): full appraisal received<br>Buyer Comment (2026-04-06): Please review uploaded appraisals. | 04/06/2026 |  |  | 1 C A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406210 |  | 3158623687 |  | 36216312 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2026-04-06): proof of appraisal delivery received<br>Buyer Comment (2026-04-06): Please review [Redacted]. | 04/06/2026 |  |  | 1 B A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406210 |  | 3158623687 |  | 36216313 |  | 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 to borrower. |  |  |  | Reviewer Comment (2026-04-06): disclosure provided to the borrower<br>Buyer Comment (2026-04-06): Please review uploaded HCOL. | 04/06/2026 |  |  | 1 B A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406210 |  | 3158623687 |  | 36216316 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Loan Estimate 5 Year Paid Off | TILA-RESPA Integrated Disclosure - Comparisons: Loan Estimate provided on [Redacted] did not disclose the total principal paid off in [Redacted] years. | All of the Loan Estimates in file consist of only page 1 with both pages 2 and 3 missing. TRID testing cannot be fully completed until complete copies of all LEs are received. |  |  |  | Reviewer Comment (2026-04-07): [Redacted] received [Redacted] LE & [Redacted] CD's two sequences with all pages.<br>Buyer Comment (2026-04-06): Please review uploaded LEs. | 04/07/2026 |  |  | 1 B A |  | NY | Primary | Purchase | Can Only Cure by Final LE, not on CD Once the initial CD is issued this cannot be cured A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406210 |  | 3158623687 |  | 36216317 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Loan Estimate 5 Year Payments | TILA-RESPA Integrated Disclosure - Comparisons: Loan Estimate provided on [Redacted] did not disclose the total principal paid off in [Redacted] years. | All of the Loan Estimates in file consist of only page 1 with both pages 2 and 3 missing. TRID testing cannot be fully completed until complete copies of all LEs are received. |  |  |  | Reviewer Comment (2026-04-07): [Redacted] received [Redacted] LE & [Redacted] CD's two sequences with all pages.<br>Buyer Comment (2026-04-06): Please review uploaded LEs. | 04/07/2026 |  |  | 1 B A |  | NY | Primary | Purchase | Can Only Cure by Final LE, not on CD Once the initial CD is issued this cannot be cured A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406210 |  | 3158623687 |  | 36216318 |  | 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 $0.00 plus [Redacted]% or $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | All of the Loan Estimates in file consist of only page 1 with both pages 2 and 3 missing. TRID testing cannot be fully completed until complete copies of all LEs are received. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received updated LEs with fully completed information, and upon further review, the fees were within the tolerance requirements.<br>Buyer Comment (2026-04-06): Please review uploaded LEs. | 04/06/2026 |  |  | 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 |
| 225406210 |  | 3158623687 |  | 36216319 |  | 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 Application Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | All of the Loan Estimates in file consist of only page 1 with both pages 2 and 3 missing. TRID testing cannot be fully completed until complete copies of all LEs are received. |  |  |  | Reviewer Comment (2026-04-06): [Redacted]received updated LEs with fully completed information, and upon further review, the fees were within the tolerance requirements.<br>Buyer Comment (2026-04-06): Please review uploaded LEs. | 04/06/2026 |  |  | 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 |
| 225406210 |  | 3158623687 |  | 36216320 |  | 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 Underwriting Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | All of the Loan Estimates in file consist of only page 1 with both pages 2 and 3 missing. TRID testing cannot be fully completed until complete copies of all LEs are received. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received updated LEs with fully completed information, and upon further review, the fees were within the tolerance requirements.<br>Buyer Comment (2026-04-06): Please review uploaded LEs. | 04/06/2026 |  |  | 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 |
| 225406210 |  | 3158623687 |  | 36216321 |  | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | All of the Loan Estimates in file consist of only page 1 with both pages 2 and 3 missing. TRID testing cannot be fully completed until complete copies of all LEs are received. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received updated LEs with fully completed information, and upon further review, the fees were within the tolerance requirements.<br>Buyer Comment (2026-04-06): Please review uploaded LEs. | 04/06/2026 |  |  | 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 |
| 225406210 |  | 3158623687 |  | 36216322 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | All of the Loan Estimates in file consist of only page 1 with both pages 2 and 3 missing. TRID testing cannot be fully completed until complete copies of all LEs are received. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received updated LEs with fully completed information, and upon further review, the fees were within the tolerance requirements.<br>Buyer Comment (2026-04-06): Please review uploaded LEs. | 04/06/2026 |  |  | 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 |
| 225406210 |  | 3158623687 |  | 36216323 |  | 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 - Courier / Express Mail / Messenger Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | All of the Loan Estimates in file consist of only page 1 with both pages 2 and 3 missing. TRID testing cannot be fully completed until complete copies of all LEs are received. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received updated LEs with fully completed information, and upon further review, the fees were within the tolerance requirements.<br>Buyer Comment (2026-04-06): Please review uploaded LEs. | 04/06/2026 |  |  | 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 |
| 225406210 |  | 3158623687 |  | 36216324 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | All of the Loan Estimates in file consist of only page 1 with both pages 2 and 3 missing. TRID testing cannot be fully completed until complete copies of all LEs are received. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received updated LEs with fully completed information, and upon further review, the fees were within the tolerance requirements.<br>Buyer Comment (2026-04-06): Please review uploaded LEs. | 04/06/2026 |  |  | 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 |
| 225406210 |  | 3158623687 |  | 36216325 |  | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | All of the Loan Estimates in file consist of only page 1 with both pages 2 and 3 missing. TRID testing cannot be fully completed until complete copies of all LEs are received. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received updated LEs with fully completed information, and upon further review, the fees were within the tolerance requirements.<br>Buyer Comment (2026-04-06): Please review uploaded LEs. | 04/06/2026 |  |  | 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 |
| 225406210 |  | 3158623687 |  | 36216327 |  | 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 Patriot Search Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | All of the Loan Estimates in file consist of only page 1 with both pages 2 and 3 missing. TRID testing cannot be fully completed until complete copies of all LEs are received. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received updated LEs with fully completed information, and upon further review, the fees were within the tolerance requirements.<br>Buyer Comment (2026-04-06): Please review uploaded LEs. | 04/06/2026 |  |  | 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 |
| 225406210 |  | 3158623687 |  | 36216328 |  | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | All of the Loan Estimates in file consist of only page 1 with both pages 2 and 3 missing. TRID testing cannot be fully completed until complete copies of all LEs are received. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received updated LEs with fully completed information, and upon further review, the fees were within the tolerance requirements.<br>Buyer Comment (2026-04-06): Please review uploaded LEs. | 04/06/2026 |  |  | 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 |
| 225406210 |  | 3158623687 |  | 36216329 |  | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | All of the Loan Estimates in file consist of only page 1 with both pages 2 and 3 missing. TRID testing cannot be fully completed until complete copies of all LEs are received. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received updated LEs with fully completed information, and upon further review, the fees were within the tolerance requirements.<br>Buyer Comment (2026-04-06): Please review uploaded LEs. | 04/06/2026 |  |  | 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 |
| 225406210 |  | 3158623687 |  | 36216330 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | All of the Loan Estimates in file consist of only page 1 with both pages 2 and 3 missing. TRID testing cannot be fully completed until complete copies of all LEs are received. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received updated LEs with fully completed information, and upon further review, the fees were within the tolerance requirements.<br>Buyer Comment (2026-04-06): Please review uploaded LEs. | 04/06/2026 |  |  | 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 |
| 225406210 |  | 3158623687 |  | 36216331 |  | 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. | All of the Loan Estimates in file consist of only page 1 with both pages 2 and 3 missing. TRID testing cannot be fully completed until complete copies of all LEs are received. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received updated LEs with fully completed information, and upon further review, the fees were within the tolerance requirements.<br>Buyer Comment (2026-04-06): Please review uploaded LEs. | 04/06/2026 |  |  | 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 |
| 225406210 |  | 3158623687 |  | 36231057 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | All copies of the appraisal provided are incomplete with multiple blank/missing pages. File is missing a complete copy of the appraisal report. |  |  |  | Reviewer Comment (2026-04-06): full appraisal received<br>Buyer Comment (2026-04-06): Please review uploaded appraisals. | 04/06/2026 |  |  | 1 C A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406210 |  | 3158623687 |  | 36231087 |  | Credit | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Possible FIRREA violation, appraisal is not complete and may not offer substantial backing for value. |  | Waterfall finding due to the missing complete appraisal report. |  |  |  | Reviewer Comment (2026-04-06): full appraisal received<br>Buyer Comment (2026-04-06): Please review uploaded appraisals. | 04/06/2026 |  |  | 1 C A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406212 |  | 3158623689 |  | 36230663 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): [Redacted] received complete pages of final CD.<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | Good Faith Redisclosure C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406212 |  | 3158623689 |  | 36230664 |  | 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] did not disclose the Amount Financed. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | 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 |
| 225406212 |  | 3158623689 |  | 36230665 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the APR. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406212 |  | 3158623689 |  | 36230666 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Balloon Payment Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] did not disclose whether the loan contains a Balloon Payment. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | 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 |
| 225406212 |  | 3158623689 |  | 36230667 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): [Redacted] received complete pages of final CD.<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406212 |  | 3158623689 |  | 36230668 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the Finance Charge. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | 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 |
| 225406212 |  | 3158623689 |  | 36230669 |  | 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] did not disclose if Homeowners Insurance is included in escrow. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | 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 |
| 225406212 |  | 3158623689 |  | 36230670 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was not signed by borrower and can be excluded from testing if it was never provided to the borrower. In order to exclude Incomplete Closing Disclosure from testing, please provide attestation from lender referencing the specific Closing Disclosure that was not provided to the borrower. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406212 |  | 3158623689 |  | 36230671 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Interest Rate Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] did not disclose whether the Interest Rate can change. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406212 |  | 3158623689 |  | 36230672 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Loan Term | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] did not disclose the Loan Term. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | 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 |
| 225406212 |  | 3158623689 |  | 36230673 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan contains Negative Amortization. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406212 |  | 3158623689 |  | 36230674 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): [Redacted] received complete pages of final CD.<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406212 |  | 3158623689 |  | 36230675 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406212 |  | 3158623689 |  | 36230676 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Frequency | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] did not disclose the payment frequency. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406212 |  | 3158623689 |  | 36230677 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] did not disclose whether the loan contains a Prepayment Penalty. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 B A |  | NJ | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406212 |  | 3158623689 |  | 36230678 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] did not disclose the Principal and Interest Payment. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | 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 |
| 225406212 |  | 3158623689 |  | 36230679 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] did not disclose whether the Principal and Interest Payment can change. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | 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 |
| 225406212 |  | 3158623689 |  | 36230680 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] did not disclose Product. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | Letter of Explanation, Re-Disclose Correct Information A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406212 |  | 3158623689 |  | 36230681 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Payments Schedule | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] did not contain a payment schedule. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | 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 |
| 225406212 |  | 3158623689 |  | 36230682 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] did not disclose if Property Taxes are included in escrow. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | 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 |
| 225406212 |  | 3158623689 |  | 36230683 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the Total of Payments. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406212 |  | 3158623689 |  | 36230684 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose the Monthly Escrow Payment. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): resolved with complete CD received | 04/08/2026 |  |  | 1 A |  | NJ | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406212 |  | 3158623689 |  | 36230685 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Product Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): [Redacted] received complete pages of final CD.<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406212 |  | 3158623689 |  | 36230690 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | Final CD in file dated [Redacted] is missing all but page 2 -- testing cannot be fully completed until a complete final CD is received. |  |  |  | Reviewer Comment (2026-04-08): [Redacted] received complete pages of final CD.<br>Buyer Comment (2026-04-07): Please review uploaded Final CD. | 04/08/2026 |  |  | 1 C A |  | NJ | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406213 |  | 3158623690 |  | 36248964 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception to allow a VVOE for the borrower dated more than the allowable 30 days after the note date. 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 (2026-04-07): Exception approved with comp factors, |  |  | 04/07/2026 | 2 B |  | FL | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406214 |  | 3158623693 |  | 36211640 |  | 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. | The initial escrow deposit on the Initial Escrow Account Disclosure did not match the one shown in section G on the final CD. The Post Close Closing Disclosure cured this issue with a revised section G; however, in order to cure the issue a copy of the letter to the borrower is also required. |  |  |  | Reviewer Comment (2026-04-03): LOX was provided to the borrwer<br>Buyer Comment (2026-04-03): Please review [Redacted]. | 04/03/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406221 |  | 3158623709 |  | 36210580 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-02): Sufficient Cure Provided At Closing |  | 04/02/2026 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406227 |  | 3158623720 |  | 36213338 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | 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 (2026-04-02): updated title commitment received with sufficient title coverage<br>Buyer Comment (2026-04-02): Please review Title attached | 04/02/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406228 |  | 3158623723 |  | 36219876 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2026-04-03): Sufficient Cure Provided At Closing |  | 04/03/2026 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406229 |  | 3158623724 |  | 36245220 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exceptions of income documentation. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-06): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 04/06/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406232 |  | 3158623728 |  | 36213011 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-04-02): Sufficient Cure Provided within [Redacted] Days of Closing |  | 04/02/2026 |  | 1 A |  | UT | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406233 |  | 3158623729 |  | 36211439 |  | 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. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. |  |  |  | Reviewer Comment (2026-04-03): CDFI originated loan | 04/03/2026 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| 225406234 |  | 3158623733 |  | 36233552 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |  | 04/06/2026 |  | 1 A |  | LA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406235 |  | 3158623736 |  | 36219632 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2026-04-03): Sufficient Cure Provided At Closing |  | 04/03/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406235 |  | 3158623736 |  | 36231045 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Escalation Form in file for lender exception for 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]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-03): Exception approved with comp factors, |  |  | 04/03/2026 | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406236 |  | 3158623737 |  | 36222112 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The earliest dated CD in file is dated [Redacted] which was not at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-04-07): [Redacted] received earliest receipt of initial CD.<br>Buyer Comment (2026-04-06): Do Not Concur. Please see the electronic delivery history for the closing disclosure showing that the customer received the CD on [Redacted] and closing occurred on [Redacted], no impacting changes happened after the [Redacted] CD. | 04/07/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406239 |  | 3158623740 |  | 36215775 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change and no evidence of tolerance cure in file. |  |  |  | Reviewer Comment (2026-04-07): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-04-06): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. CDv3 disclosed timely | 04/07/2026 |  |  | 1 C A |  | TX | 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 |
| 225406242 |  | 3158623743 |  | 36252501 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and [Redacted] was not located in the file. |  |  |  | Reviewer Comment (2026-04-13): escrow holdback documentation in file and acceptable<br>Buyer Comment (2026-04-13): This loan has an escrow holdback and the documents are in the file build pages [Redacted] | 04/13/2026 |  |  | 1 C A |  | MN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406242 |  | 3158623743 |  | 36252517 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-14): postponed improvements agreement received, along with previously received valid COC, and reported to borrower timely<br>Buyer Comment (2026-04-14): Please see New Construction Postponed Improvements Agreement<br>Reviewer Comment (2026-04-13): [Redacted] Received Valid COC dated [Redacted]; however, file is missing Appraisal re-inspection report (442) document. Provide Appraisal Re-inspection report (442).<br>Buyer Comment (2026-04-09): Do Not Concur. The appraisal was made subject to completion of plans so a final inspection was required. | 04/14/2026 |  |  | 1 C A |  | MN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406247 |  | 3158623753 |  | 36232694 |  | 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] 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]). |  |  |  | Reviewer Comment (2026-04-09): [Redacted] received documentation confirming $[Redacted] cure at closing was for subordination fee which was finance charge amount that icnreased, cured at closing.<br>Buyer Comment (2026-04-08): Do Not Concur. Please see that there is a cure of $[Redacted] on the closing CD for the Subordination Agreement overage. | 04/09/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406247 |  | 3158623753 |  | 36232696 |  | 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]). | he 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]). |  |  |  | Reviewer Comment (2026-04-09): [Redacted] received documentation confirming $[Redacted] cure at closing was for subordination fee which was finance charge amount that icnreased, cured at closing.<br>Buyer Comment (2026-04-08): Do Not Concur. Please see that there is a cure of $[Redacted] on the closing CD for the Subordination Agreement overage. | 04/09/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406247 |  | 3158623753 |  | 36232697 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-09): valid COC received and acceptable timing<br>Buyer Comment (2026-04-08): Do Not Concur. The Loan Locked, interest rate changed and discount points changed, this was disclosed timely on LE v3. | 04/09/2026 |  |  | 1 C A |  | NJ | 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 |
| 225406247 |  | 3158623753 |  | 36232698 |  | 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 Subordination Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Subordination Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-09): valid COC received and acceptable timing<br>Buyer Comment (2026-04-08): Do Not Concur. Please see CICs and disclosure of Subordination Agreement on LE v2 for $[Redacted], then see CIC for POA and disclosure of Subordination Agreement of $[Redacted] on CD v2. | 04/09/2026 |  |  | 1 C A |  | NJ | 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 |
| 225406248 |  | 3158623754 |  | 36220612 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-03): Sufficient Cure Provided At Closing |  | 04/03/2026 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406255 |  | 3158623768 |  | 36211684 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The initial Closing Disclosure is not signed/dated to evidence receipt and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-04-06): evidence of CD delivery received<br>Buyer Comment (2026-04-06): Do not Concur. Initial CD sent via [Redacted] [Redacted] | 04/06/2026 |  |  | 1 C A |  | CO | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406257 |  | 3158623771 |  | 36232946 |  | 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 due to missing third-party verification for borrower Schedule C self-employment. |  |  |  | Reviewer Comment (2026-04-09): employment information acceptable<br>Buyer Comment (2026-04-08): Do Not Concur. Please see Underwriter comments about income | 04/09/2026 |  |  | 1 B A C |  | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406257 |  | 3158623771 |  | 36232947 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Missing third-party verification for borrower Schedule C self-employment. |  |  |  | Reviewer Comment (2026-04-09): employment information acceptable<br>Buyer Comment (2026-04-08): Do Not Concur. Please see Underwriter comments about income | 04/09/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406257 |  | 3158623771 |  | 36232949 |  | 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 appraisal fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-08): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-04-07): Do Not Concur. The loan amount changed on [Redacted] and the discount points changed and updated, they were disclosed timely on CD v2. | 04/08/2026 |  |  | 1 C A |  | TX | 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 |
| 225406257 |  | 3158623771 |  | 36240541 |  | 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 exceptions of DTI ratio. Exception approved, with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-06): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 04/06/2026 | 2 B |  | TX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406257 |  | 3158623771 |  | 36240556 |  | 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.) |  | 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>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-06): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 04/06/2026 | 2 B |  | TX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406258 |  | 3158623772 |  | 36232437 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-03): Sufficient Cure Provided At Closing |  | 04/03/2026 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406260 |  | 3158623774 |  | 36213487 |  | 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]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate |  |  |  | Reviewer Comment (2026-04-06): Cured at closing.<br>Buyer Comment (2026-04-03): Do Not Concur. Please see that the Project Processing Fee for $[Redacted] was cured at closing. |  | 04/06/2026 |  | 2 C B |  | NV | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406260 |  | 3158623774 |  | 36213488 |  | 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]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold |  |  |  | Reviewer Comment (2026-04-06): Cured at closing<br>Buyer Comment (2026-04-03): Do Not Concur. Please see that the Project Processing Fee for $[Redacted] was cured at closing. |  | 04/06/2026 |  | 2 C B |  | NV | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406260 |  | 3158623774 |  | 36213489 |  | 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]. | Please provide signed copy of the final CD to determine accurate transaction date. |  |  |  | Reviewer Comment (2026-04-06): signed copy of CD received | 04/06/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406260 |  | 3158623774 |  | 36213490 |  | 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). | Please provide signed copy of the final CD to determine accurate transaction date. |  |  |  | Reviewer Comment (2026-04-06): signed copy of CD received<br>Buyer Comment (2026-04-03): Please see final signed closing disclosure | 04/06/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406261 |  | 3158623776 |  | 36240332 |  | 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 (2026-04-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Buyer Comment (2026-04-08): Do Not Concur. Please see that the Recording Releases Fee had a cure applied at closing of $[Redacted]. | 04/09/2026 |  |  | 1 C A |  | NJ | 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 |
| 225406261 |  | 3158623776 |  | 36240393 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Verification of Non-US Citizen Identification is missing. |  |  |  | Reviewer Comment (2026-04-09): I-94 documentation received and acceptable<br>Buyer Comment (2026-04-09): I-94 provided | 04/09/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406261 |  | 3158623776 |  | 36259957 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-04-09): Sufficient Cure Provided At Closing |  | 04/09/2026 |  | 1 A |  | NJ | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406262 |  | 3158623778 |  | 36200691 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Escalation Form in file for a lender exception to the reserve requirements. 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>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 | Reviewer Comment (2026-04-01): Exception approved with comp factors. |  |  | 04/01/2026 | 2 B |  | CO | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406265 |  | 3158623785 |  | 36253154 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | REO documents missing. |  |  |  | Reviewer Comment (2026-04-13): REO documentation received and acceptable<br>Buyer Comment (2026-04-10): file build [Redacted] and [Redacted] show property is a SFH mtg with [Redacted] and the tax report is on page [Redacted] SFH with no HOA | 04/13/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406267 |  | 3158623788 |  | 36205396 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy is not provided. |  |  |  | Reviewer Comment (2026-04-03): proof of HOI coverage in file and acceptable<br>Buyer Comment (2026-04-03): This is a refi of a loan that is currently with [Redacted] the proof of insurance is in your loan file on [Redacted]. The Insurance is with [Redacted] dwelling amount of [Redacted] with replacement cost | 04/03/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406267 |  | 3158623788 |  | 36205407 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Based on the screen shots in file the coverage is insufficient by $[Redacted]; however, receipt of the dec page for the policy may provide additional information regarding coverage not currently being taken into consideration. |  |  |  | Reviewer Comment (2026-04-03): replacement cost coverage verified and acceptable<br>Buyer Comment (2026-04-03): waterfall | 04/03/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406267 |  | 3158623788 |  | 36205440 |  | 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. | File does not contain evidence of receipt of the valuation and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-04-06): evidence of appraisal delivery received<br>Buyer Comment (2026-04-04): Do Not Concur. Please see electronic receipt dates for the appraisal AND mailing date of [Redacted] to show that the customer did receive the appraisal with three days to review before closing. | 04/06/2026 |  |  | 1 B A |  | MA | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406267 |  | 3158623788 |  | 36205442 |  | 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 (2026-04-06): evidence of disclosure delivery received<br>Buyer Comment (2026-04-04): Do Not Concur. Please see that the application was achieved on [Redacted] which was a [Redacted], the Application Package with the first LE went out and the Homeownership Counseling Notice issued with a timestamp of [Redacted], please notice that the customer received the LE on [Redacted] with the application package and Home ownership Counseling Notice electronically. | 04/06/2026 |  |  | 1 B A |  | MA | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406267 |  | 3158623788 |  | 36205775 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Dec page of policy is missing - unable to determine. |  |  |  | Reviewer Comment (2026-04-03): HOI coverage in file and acceptable | 04/03/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406273 |  | 3158623794 |  | 36199089 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2026-04-06): desk review received<br>Buyer Comment (2026-04-06): Please see attached CDA | 04/06/2026 |  |  | 1 D A |  | NJ | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406273 |  | 3158623794 |  | 36199121 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Discount Points fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-06): acceptable COC documentation received<br>Buyer Comment (2026-04-06): Do Not Concur. Please see additional CIC screen snips and customer contact which includes pricing.<br>Reviewer Comment (2026-04-06): [Redacted] received snip of COC for pricing change. However, this does not provide sufficient information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in the reprice of the loan and change in pricing/closing costs while the loan is still within the lock period.<br>Buyer Comment (2026-04-03): Do Not Concur. The pricing changed on [Redacted], the discount points changed due to this pricing change and this was disclosed timely on CD v2. | 04/06/2026 |  |  | 1 C A |  | NJ | 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 |
| 225406274 |  | 3158623796 |  | 36205927 |  | 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 or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-01): Sufficient Cure Provided At Closing |  | 04/01/2026 |  | 1 A |  | OR | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406275 |  | 3158623797 |  | 36205363 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credit Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-04-03): Do Not Concur. The loan locked with a product change on [Redacted] and this changed the pricing, the lender credits were premium pricing and this changed decreasing them, this decrease disclosed timely on CD v3. | 04/06/2026 |  |  | 1 C A |  | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406275 |  | 3158623797 |  | 36205366 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-04-03): Do Not Concur. The loan locked with a product change on [Redacted] and this changed the pricing, the discount points increased, this disclosed timely on CD v3. | 04/06/2026 |  |  | 1 C A |  | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406275 |  | 3158623797 |  | 36205367 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-04-03): Do Not Concur. The loan locked with a product change on [Redacted] and this product change required an appraisal, the appraisal fee disclosed timely on CD v3. | 04/06/2026 |  |  | 1 C A |  | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406276 |  | 3158623799 |  | 36206888 |  | 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. | Exception cured at closing. |  |  |  | Reviewer Comment (2026-04-01): Exception cured at closing. |  | 04/01/2026 |  | 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 |
| 225406276 |  | 3158623799 |  | 36207316 |  | 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 was provided at closing. |  |  |  | Reviewer Comment (2026-04-01): Sufficient Cure Provided At Closing |  | 04/01/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406277 |  | 3158623800 |  | 36204052 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2026-04-03): desk review received and acceptable<br>Buyer Comment (2026-04-03): Please see attached CDA | 04/03/2026 |  |  | 1 D A |  | NC | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406279 |  | 3158623802 |  | 36230774 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | An LE was issued on [Redacted] which was after the date the first CD was issued on [Redacted]. |  |  |  | Reviewer Comment (2026-04-07): evidence of correct delivery order has been received<br>Buyer Comment (2026-04-07): Do Not Concur. This exception is invalid, the LE generated and was sent on [Redacted] and the CD generated and was sent on [Redacted]. | 04/07/2026 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406280 |  | 3158623803 |  | 36208237 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $-[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received COC for rate lock.<br>Buyer Comment (2026-04-03): Do not Concur. Initial loan lock [Redacted]. LEv4 disclosed same day | 04/06/2026 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406281 |  | 3158623805 |  | 36204791 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-04-03): Do not Concur. Valid CICs for credit score and loan points [Redacted]. Points increased and disclosed timely on CDv1 next day. Points decreased at closing. No cure required. | 04/06/2026 |  |  | 1 C A |  | AZ | 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 |
| 225406282 |  | 3158623806 |  | 36204807 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Documentation missing for the co-borrower. |  |  |  | Reviewer Comment (2026-04-07): citizenship documentation provided is acceptable<br>Buyer Comment (2026-04-07): [Redacted]& [Redacted] in file build pgs [Redacted]-[Redacted] | 04/07/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406282 |  | 3158623806 |  | 36204880 |  | 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 LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-07): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-04-03): Do not Concur. Valid CIC for estimated market value change [Redacted]. LEv2 disclosed same day | 04/07/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406282 |  | 3158623806 |  | 36207423 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception for PAG decline. 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The 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 (2026-04-01): Exception approved with comp factors. |  |  | 04/01/2026 | 2 B |  | IL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406285 |  | 3158623813 |  | 36208336 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | [Redacted] Predatory Lending Database Program ([Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not located in the file. |  |  |  | Reviewer Comment (2026-04-06): disclosure received<br>Buyer Comment (2026-04-06): Do not Concur. Please see attached Illinois Cert of exemption | 04/06/2026 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406285 |  | 3158623813 |  | 36208338 |  | 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 or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-01): Sufficient Cure Provided At Closing |  | 04/01/2026 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406285 |  | 3158623813 |  | 36211635 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2026-04-03): evidence of appraisal delivery received<br>Buyer Comment (2026-04-03): Do not Concur. Appraisal sent vial [Redacted] [Redacted] | 04/03/2026 |  |  | 1 B A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406288 |  | 3158623818 |  | 36208242 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | The file was missing copy of 1003 Initial - Lender's. |  |  |  | Reviewer Comment (2026-04-03): initial 1003 received<br>Buyer Comment (2026-04-03): Please see attached initial 1003s | 04/03/2026 |  |  | 1 B A |  | AZ | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406288 |  | 3158623818 |  | 36208290 |  | 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 (2026-04-07): [Redacted] received valid COC document<br>Buyer Comment (2026-04-06): Do not Concur. Appraisal is being reused from prior loan. Valid CIC [Redacted] and Lev3 disclosed timely | 04/07/2026 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406289 |  | 3158623819 |  | 36235085 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Tax Verification document is missing in file for the property [Redacted]. |  |  |  | Reviewer Comment (2026-04-09): REO documentation and explanation received and acceptable<br>Buyer Comment (2026-04-09): Taxes are included in the co-op fee. Per google search property taxes are included in the monthly maintenance fees for residents at [Redacted]. As a co-op, the building pays a single blanket tax bill, and a prorated portion is included in the monthly fees paid by each shareholder, along with operating expenses and building insurance. [[Redacted]]<br> Key details for [Redacted]:<br> • Included Taxes: Monthly maintenance covers the unit's share of property taxes.<br> • Deductibility: Roughly [Redacted]% of the maintenance fee is typically tax-deductible as real estate tax.<br> • Policies: The building allows pied-a-terre and co-purchasing, requires a minimum down payment of [Redacted]%, and has a flip tax. [[Redacted]]<br> Generally, for this building, you will not receive a separate, direct tax bill from the city; it is paid through the corporation, as detailed on [Redacted]. [[Redacted]] | 04/09/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406289 |  | 3158623819 |  | 36235126 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Documentation in file indicates appraisal was sent [Redacted] with no evidence of receipt. The presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-04-08): appraisal delivery received<br>Buyer Comment (2026-04-08): Do Not Concur. Please see evidence of electronic receipt of the appraisal on the [Redacted] and closing was on the [Redacted]. | 04/08/2026 |  |  | 1 B A |  | FL | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406289 |  | 3158623819 |  | 36252092 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception for 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 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 (2026-04-07): Exception approved with comp factors. |  |  | 04/07/2026 | 2 B |  | FL | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406290 |  | 3158623820 |  | 36205001 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-01): Sufficient Cure Provided At Closing |  | 04/01/2026 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406290 |  | 3158623820 |  | 36264176 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception for Collateral Issues related to outstanding repairs. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-09): Exception approved with comp factors. |  |  | 04/09/2026 | 2 B |  | FL | Primary | Purchase | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406291 |  | 3158623822 |  | 36272162 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing verification of HOA Verification for the [Redacted]. |  |  |  | Reviewer Comment (2026-04-13): REO documents received and acceptable<br>Buyer Comment (2026-04-13): Documents are in file build pages [Redacted] | 04/13/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406291 |  | 3158623822 |  | 36273293 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-13): Sufficient Cure Provided At Closing |  | 04/13/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406292 |  | 3158623823 |  | 36208307 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-01): Sufficient Cure Provided At Closing |  | 04/01/2026 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406295 |  | 3158623826 |  | 36251327 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood Certificate is missing. |  |  |  | Reviewer Comment (2026-04-10): flood cert in file is acceptable<br>Buyer Comment (2026-04-10): Flood Certificate located in file build [Redacted] | 04/10/2026 |  |  | 1 C A |  | NY | Second Home | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406295 |  | 3158623826 |  | 36251934 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-14): [Redacted] Received Valid COC dated 1[Redacted] and [Redacted].<br>Buyer Comment (2026-04-10): Do not Concur. Points increased [Redacted] when Appraised Value was received, which was $[Redacted] lower than the Estimated Value. This increase was disclosed [Redacted] on a revised LE. Points again increased [Redacted] when Occupancy Type changed from a Primary Residence to a Secondary. This increase was disclosed [Redacted] on a revised CD dated. Points actually decreased at closing. No cure required. | 04/14/2026 |  |  | 1 C A |  | NY | Second Home | 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 |
| 225406295 |  | 3158623826 |  | 36251935 |  | 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. | Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-14): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-04-10): Do not concur. Processing Fee already cured at closing | 04/14/2026 |  |  | 1 C A |  | NY | Second Home | 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 |
| 225406295 |  | 3158623826 |  | 36251936 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-14): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-04-10): Do not concur. Attorney Fee already cured at closing | 04/14/2026 |  |  | 1 C A |  | NY | Second Home | 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 |
| 225406295 |  | 3158623826 |  | 36277887 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-14): Sufficient Cure Provided At Closing |  | 04/14/2026 |  | 1 A |  | NY | Second Home | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406295 |  | 3158623826 |  | 36277888 |  | 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 Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-14): Sufficient Cure Provided At Closing |  | 04/14/2026 |  | 1 A |  | NY | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406295 |  | 3158623826 |  | 36277889 |  | 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 Attorney Review Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-14): Sufficient Cure Provided At Closing |  | 04/14/2026 |  | 1 A |  | NY | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406296 |  | 3158623827 |  | 36250855 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-07): Sufficient Cure Provided At Closing |  | 04/07/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406296 |  | 3158623827 |  | 36250856 |  | 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 $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-07): Sufficient Cure Provided At Closing |  | 04/07/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406297 |  | 3158623828 |  | 36234469 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement document is missing. |  |  |  | Reviewer Comment (2026-04-09): e-consent form received<br>Buyer Comment (2026-04-09): E Sign Consent provided | 04/09/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406297 |  | 3158623828 |  | 36234490 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The initial Closing Disclosure was not signed/dated to evidence receipt and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-04-07): evidence of CD receipt received<br>Buyer Comment (2026-04-07): Do not Concur. Initial CD sent [Redacted] | 04/07/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406297 |  | 3158623828 |  | 36234491 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credit changed to $-[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for the change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-08): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-04-07): Do not Concur. Lock extension and valid CICs for loan points [Redacted]. LE redisclosed timely | 04/08/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406298 |  | 3158623830 |  | 36205433 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | VOE is not within 10 business days of Note |  |  |  | Reviewer Comment (2026-04-03): VVOE in file is acceptable<br>Buyer Comment (2026-04-03): VVOE cleared with letter from Human Services dated [Redacted] pg [Redacted] in file build | 04/03/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406298 |  | 3158623830 |  | 36207574 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2026-04-07): e-consent disclosure received<br>Buyer Comment (2026-04-07): E Sign Consent provided | 04/07/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406298 |  | 3158623830 |  | 36211703 |  | 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 (2026-04-03): VVOE in file is acceptable<br>Buyer Comment (2026-04-03): VVOE cleared with income letter from Human Resources dated [Redacted] pg [Redacted]in file build | 04/03/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406298 |  | 3158623830 |  | 36211729 |  | 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 dated within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-04-03): VVOE in file is acceptable | 04/03/2026 |  |  | 1 B A C |  | IL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406298 |  | 3158623830 |  | 36211730 |  | 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 dated within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-04-03): VVOE in file is acceptable | 04/03/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406298 |  | 3158623830 |  | 36211740 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing VVOE for the borrower dated within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-04-03): VVOE in file is acceptable | 04/03/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406299 |  | 3158623831 |  | 36206845 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-Sign Consent Agreement missing |  |  |  | Reviewer Comment (2026-04-07): e-consent disclosure received<br>Buyer Comment (2026-04-07): E Sign Consent provided | 04/07/2026 |  |  | 1 C A |  | LA | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406299 |  | 3158623831 |  | 36206889 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2026-04-03): sufficient HOI coverage provided and acceptable<br>Buyer Comment (2026-04-03): Verbal RCC in file Pg [Redacted] [Redacted] | 04/03/2026 |  |  | 1 C A |  | LA | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406299 |  | 3158623831 |  | 36206940 |  | 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. | No documentation in file to evidence the appraisal was provided to the borrower prior to or at closing. |  |  |  | Reviewer Comment (2026-04-06): verification of appraisal delivery received<br>Buyer Comment (2026-04-06): Do not Concur. Appraisal was sent to the customers via mail and online. Sent [Redacted] | 04/06/2026 |  |  | 1 B A |  | LA | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406300 |  | 3158623832 |  | 36200061 |  | 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 or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-01): Sufficient Cure Provided At Closing |  | 04/01/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406301 |  | 3158623833 |  | 36212010 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [Redacted] W2 missing for current employment |  |  |  | Reviewer Comment (2026-04-03): sufficient income documentation in file<br>Buyer Comment (2026-04-03): This w2 is on page [Redacted] of the file build w2 for [Redacted] for [Redacted] and page [Redacted] from the prior job Price [Redacted] | 04/03/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406301 |  | 3158623833 |  | 36212193 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing [Redacted] W2 for the borrower's current employment. |  |  |  | Reviewer Comment (2026-04-03): sufficient income documentation in file<br>Buyer Comment (2026-04-03): Located in the file build | 04/03/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406301 |  | 3158623833 |  | 36212199 |  | 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 final CD. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-03): valid COC received and acceptable<br>Buyer Comment (2026-04-03): Do not Concur. Initial lock [Redacted] and valid CICs for credit score and loan points [Redacted] increased points to $[Redacted]. Points decreased at closing. No cure required. | 04/03/2026 |  |  | 1 C A |  | TX | 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 |
| 225406301 |  | 3158623833 |  | 36212202 |  | 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 [Redacted] W2 for the borrower's current employment. |  |  |  | Reviewer Comment (2026-04-03): sufficient income documentation in file | 04/03/2026 |  |  | 1 B A C |  | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406301 |  | 3158623833 |  | 36212917 |  | 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 [Redacted] W2 for the borrower's current employment. |  |  |  | Reviewer Comment (2026-04-03): sufficient income documentation in file<br>Buyer Comment (2026-04-03): Located in the file build | 04/03/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406301 |  | 3158623833 |  | 36212918 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing [Redacted] W2 for the borrower's current employment. |  |  |  | Reviewer Comment (2026-04-03): sufficient income documentation in file<br>Buyer Comment (2026-04-03): located in the file build | 04/03/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406302 |  | 3158623834 |  | 36252749 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2026-04-08): SHQM (APOR) | 04/08/2026 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406302 |  | 3158623834 |  | 36252754 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received valid COC document<br>Reviewer Comment (2026-04-13): [Redacted] received COC dated [Redacted], however no CD available in file within [Redacted] days of change. Please provide if any missing CD sent within [Redacted] days of change or cure is required.<br>Buyer Comment (2026-04-09): Do Not Concur. The loan locked for the first time on [Redacted], discount points disclosed timely on CD v4 as $[Redacted] and decreased prior to closing. | 04/13/2026 |  |  | 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 |
| 225406303 |  | 3158623835 |  | 36210940 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fees subject to [Redacted]% tolerance increased over the allowable limit due to an increase in the survey fee. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-14): attestation received and valid COC was previously received and changes delivered to borrower timely<br>Buyer Comment (2026-04-14): Please also see [Redacted] Attestation letter regarding survey fees<br>Buyer Comment (2026-04-14): Do Not Concur. Please see that the survey fee is in section C of the final CD in the section that the customer shopped for. Please see the survey invoice from [Redacted] billed to [Redacted], which is the title company that the customer chose on the Attorney or Title preference notice. [Redacted] may have been included on our SSPL but that does not indicate that the customer did not shop for this provider, the customer could have still chosen this provider in this city from a search online or by asking a friend who they recommend for surveys. This provider was selected by the customer OR their chosen title company to perform the needed survey. This fee should still be considered to have an unlimited tolerance. Also please see attestation letter provided by [Redacted] again for reference.<br>Reviewer Comment (2026-04-14): [Redacted] received attorney and title preference disclosures indicates that borrower selected the [Redacted]. However, the survey fee was payable to "[Redacted]" same as selected from SSPL provider list. Appears borrower cannot be shopped for the service their own. Hence, the fee default under [Redacted]% tolerance violence. Cure would be due to borrower.<br>Buyer Comment (2026-04-13): Please see signed Atty or Title preference disclosure showing that the customer chose their own title company<br>Buyer Comment (2026-04-10): Do not Concur. The customer chose their own provider. The survey fee is a unlimited tolerance fee. An unnecessary cure already provided back at closing due to the system which is in favor to the customer. Attached attestation letter as a reminder of the survey fee tolerances<br>Reviewer Comment (2026-04-07): [Redacted] received rebuttal. However, the survey fee increased from $[Redacted] on LE dated [Redacted] to $[Redacted] on CD. Cure provided at closing is $[Redacted]. Please provide additional cure. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-04-06): Do not Concur. Survey fee is zero percent tolerance and already cured at closing<br>Reviewer Comment (2026-04-06): [Redacted] received valid rebuttal comment. However, the survey fee increase of $[Redacted] from baseline of $[Redacted]. Additionally, the fee was paid to [Redacted] same as elected from SSPL provider list. Hence, the fee default under [Redacted]% tolerance. Provide valid COC for the fee was increased or refund cure is required to borrower.<br>Buyer Comment (2026-04-03): Do not Concur. Valid CIC for loan amount [Redacted]. CDv1 disclosed timely | 04/14/2026 |  |  | 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 |
| 225406303 |  | 3158623835 |  | 36210941 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-04-03): Do not Concur. Invalid exception. Customer was only charged $[Redacted] at closing for section E on this purchase. Ten percent baseline is $[Redacted]. No cure due back | 04/06/2026 |  |  | 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 |
| 225406304 |  | 3158623836 |  | 36253670 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender credits changed to $-[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2026-04-09): Do Not Concur. The loan did not lock until [Redacted], the pricing was changing before that, the lender credits were premium pricing and this changed to $[Redacted] before the loan locked. | 04/13/2026 |  |  | 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 |
| 225406305 |  | 3158623837 |  | 36206036 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-04-03): Do not Concur. Valid CIC for loan amount [Redacted]. CDv2 disclosed timely same day | 04/06/2026 |  |  | 1 C A |  | VA | 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 |
| 225406305 |  | 3158623837 |  | 36206037 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-04-03): Do not Concur. Valid CICs for loan amount change occurred. Transfer taxes decreased at closing | 04/06/2026 |  |  | 1 C A |  | VA | 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 |
| 225406306 |  | 3158623838 |  | 36256078 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Discount Points fee changed to $[Redacted]on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-10): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-04-09): Do Not Concur. The loan locked on [Redacted] and the discount points disclosed timely showing the increase on LE v2 on [Redacted]. | 04/10/2026 |  |  | 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 |
| 225406306 |  | 3158623838 |  | 36256079 |  | 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 Assignment Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The $[Redacted] Assignment fee was added on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-10): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-04-09): Do Not Concur. The [Redacted] Assignment fee for $[Redacted] was cured at closing. | 04/10/2026 |  |  | 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 |
| 225406306 |  | 3158623838 |  | 36256080 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent Only). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Attorney's fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-10): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-04-09): Do Not Concur. $[Redacted] of the $[Redacted] [Redacted] Attorney fee was cured at closing. | 04/10/2026 |  |  | 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 |
| 225406306 |  | 3158623838 |  | 36256086 |  | 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 violations. |  |  |  | Reviewer Comment (2026-04-10): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-04-09): Do Not Concur. $[Redacted]of the $[Redacted]Recording Fees were cured at closing. | 04/10/2026 |  |  | 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 |
| 225406306 |  | 3158623838 |  | 36265894 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-10): Sufficient Cure Provided At Closing |  | 04/10/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406306 |  | 3158623838 |  | 36265895 |  | 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 Assignment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-10): Sufficient Cure Provided At Closing |  | 04/10/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406306 |  | 3158623838 |  | 36265896 |  | 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 Attorney's Fee (Closing Agent Only). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-10): Sufficient Cure Provided At Closing |  | 04/10/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406306 |  | 3158623838 |  | 36283129 |  | 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 Attorney Fee (Closing). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Attorney fee increased on final CD. No VCC was located in the loan file to explain the change. |  |  |  | Reviewer Comment (2026-04-14): Sufficient Cure Provided At Closing |  | 04/14/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406307 |  | 3158623840 |  | 36238315 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the QM points/fees failure. |  |  |  | Reviewer Comment (2026-04-10): undiscounted rate and rate price information received<br>Buyer Comment (2026-04-09): Do Not Concur. Please see QM Testing Results | 04/10/2026 |  |  | 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 |
| 225406307 |  | 3158623840 |  | 36238316 |  | 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 (2026-04-10): undiscounted rate and rate price information received<br>Buyer Comment (2026-04-09): Do Not Concur. Please see QM Testing Results | 04/10/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406307 |  | 3158623840 |  | 36238365 |  | 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 was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-04-10): valid COC received and acceptable<br>Buyer Comment (2026-04-09): Do Not Concur. The loan had multiple pricing changes, the product changed but the loan was not locked when the discount points increased to $[Redacted] and was disclosed on LE v3 on [Redacted]. The loan locked on [Redacted]. | 04/10/2026 |  |  | 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 |
| 225406307 |  | 3158623840 |  | 36256449 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception for PAG decline. 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-08): Exception approved with comp factors. |  |  | 04/08/2026 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406308 |  | 3158623842 |  | 36208147 |  | 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 CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-04-03): Do not Concur. Valid CICs for loan amount and product change [Redacted]. LEv3 disclosed timely [Redacted] | 04/06/2026 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406308 |  | 3158623842 |  | 36235154 |  | 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. | A fee further increases of $[Redacted] from $[Redacted]. A valid COC for the fee increased or Cure is required to borrower. |  |  |  | Reviewer Comment (2026-04-07): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-04-06): Do not concur. Valid CICs for product and loan points [Redacted]. This increased loan points to $[Redacted]. Loan points decreased at closing | 04/07/2026 |  |  | 1 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 |
| 225406309 |  | 3158623843 |  | 36210757 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Aggregate Payment Disclosure Not Provided) | [Redacted] High-Cost Loan: Borrower not provided with Aggregate Monthly Payment Disclosure statement. |  |  |  |  | Reviewer Comment (2026-04-14): evidence of seller paid atty fees received and acceptable.<br>Buyer Comment (2026-04-13): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. [Redacted] was the attorney that handled the closing and is listed as the settlement agent, his fee of $[Redacted] is customary for an attorney in [Redacted] handling a mortgage closing. The fees paid by the seller are primarily section H fees and are related to the COOP building fees and services, the seller also paid the majority of recording fees.<br>Reviewer Comment (2026-04-10): [Redacted] included points and fees in the [Redacted] calculation which total $[Redacted] and exceed the [Redacted] threshold by $[Redacted]. Seller paid points and fees are included in the [Redacted] calculation, however there may have been attorney fees that were the seller's responsibility only (versus borrower attorney fees paid by seller). The attorney fees were all paid to the same attorney and we could not locate documentation in the file to support whether any fees were the seller's sole responsibility, so additional documentation is required. Please provide documentary evidence to support whether any fees were the seller's sole responsibility and not the borrower's. In other words, documentation to support any fee that was unique to the seller side of the transaction and was not a borrower imposed fee that was being paid by the seller.<br>Buyer Comment (2026-04-09): Do Not Concur. [Redacted] is stating that this is a [Redacted] High Cost loan and [Redacted] determined that it is not a High Cost loan. Please see screen snips of fees used for testing. | 04/14/2026 |  |  | 1 C A |  | NY | Primary | Purchase | No obvious cure C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225406309 |  | 3158623843 |  | 36210758 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Consumer Caution and Home Ownership Counseling Notice Not Provided) | [Redacted] High-Cost Loan: Borrower not provided with Consumer Caution and Home Ownership Counseling Notice. |  |  |  |  | Reviewer Comment (2026-04-14): evidence of seller paid atty fees received and acceptable.<br>Buyer Comment (2026-04-13): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. [Redacted] was the attorney that handled the closing and is listed as the settlement agent, his fee of $[Redacted] is customary for an attorney in [Redacted] handeling a mortgage closing. The fees paid by the seller are primarily section H fees and are related to the COOP building fees and services, the seller also paid the majority of recording fees.<br>Reviewer Comment (2026-04-10): [Redacted] included points and fees in the [Redacted] calculation which total $[Redacted] and exceed the [Redacted] threshold by $[Redacted]. Seller paid points and fees are included in the [Redacted] calculation, however there may have been attorney fees that were the seller's responsibility only (versus borrower attorney fees paid by seller). The attorney fees were all paid to the same attorney and we could not locate documentation in the file to support whether any fees were the seller's sole responsibility, so additional documentation is required. Please provide documentary evidence to support whether any fees were the seller's sole responsibility and not the borrower's. In other words, documentation to support any fee that was unique to the seller side of the transaction and was not a borrower imposed fee that was being paid by the seller.<br>Buyer Comment (2026-04-08): Do Not Concur. Please see the Home Ownership Counseling Notice provided to the customer. | 04/14/2026 |  |  | 1 C A |  | NY | Primary | Purchase | No obvious cure C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225406309 |  | 3158623843 |  | 36210759 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Counseling Disclosure Not Provided) | [Redacted] High-Cost Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2026-04-14): evidence of seller paid atty fees received and acceptable.<br>Buyer Comment (2026-04-13): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. [Redacted] was the attorney that handled the closing and is listed as the settlement agent, his fee of $[Redacted] is customary for an attorney in [Redacted] handeling a mortgage closing. The fees paid by the seller are primarily section H fees and are related to the COOP building fees and services, the seller also paid the majority of recording fees.<br>Reviewer Comment (2026-04-10): [Redacted] included points and fees in the [Redacted] calculation which total $[Redacted] and exceed the [Redacted] threshold by $[Redacted]. Seller paid points and fees are included in the [Redacted] calculation, however there may have been attorney fees that were the seller's responsibility only (versus borrower attorney fees paid by seller). The attorney fees were all paid to the same attorney and we could not locate documentation in the file to support whether any fees were the seller's sole responsibility, so additional documentation is required. Please provide documentary evidence to support whether any fees were the seller's sole responsibility and not the borrower's. In other words, documentation to support any fee that was unique to the seller side of the transaction and was not a borrower imposed fee that was being paid by the seller.<br>Buyer Comment (2026-04-09): Do Not Concur. [Redacted] is stating that this is a [Redacted] High Cost loan and [Redacted] determined that it is not a High Cost loan. Please see screen snips of fees used for testing. | 04/14/2026 |  |  | 1 C A |  | NY | Primary | Purchase | No obvious cure C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225406309 |  | 3158623843 |  | 36210760 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New York High-Cost Loan (Escrow Not Established) | [Redacted] High-Cost Loan: Escrow account not established for the collection of property taxes and insurance. (Note: This requirement does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of [Redacted] months of timely payments of taxes and insurance on a previous home loan.) |  |  |  |  | Reviewer Comment (2026-04-14): evidence of seller paid atty fees received and acceptable.<br>Buyer Comment (2026-04-13): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. [Redacted] was the attorney that handled the closing and is listed as the settlement agent, his fee of $[Redacted] is customary for an attorney in [Redacted] handeling a mortgage closing. The fees paid by the seller are primarily section H fees and are related to the COOP building fees and services, the seller also paid the majority of recording fees.<br>Reviewer Comment (2026-04-10): [Redacted] included points and fees in the [Redacted] calculation which total $[Redacted] and exceed the [Redacted] threshold by $[Redacted]. Seller paid points and fees are included in the [Redacted] calculation, however there may have been attorney fees that were the seller's responsibility only (versus borrower attorney fees paid by seller). The attorney fees were all paid to the same attorney and we could not locate documentation in the file to support whether any fees were the seller's sole responsibility, so additional documentation is required. Please provide documentary evidence to support whether any fees were the seller's sole responsibility and not the borrower's. In other words, documentation to support any fee that was unique to the seller side of the transaction and was not a borrower imposed fee that was being paid by the seller.<br>Buyer Comment (2026-04-09): Do Not Concur. [Redacted] is stating that this is a [Redacted] High Cost loan and [Redacted] determined that it is not a High Cost loan. Please see screen snips of fees used for testing. | 04/14/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225406309 |  | 3158623843 |  | 36210761 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (High Cost Legend Not on Mortgage) | [Redacted] High-Cost Loan: Mortgage does not contain legend advising loan is high-cost. |  |  |  |  | Reviewer Comment (2026-04-14): evidence of seller paid atty fees received and acceptable.<br>Buyer Comment (2026-04-13): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. [Redacted] was the attorney that handled the closing and is listed as the settlement agent, his fee of $[Redacted] is customary for an attorney in [Redacted] handeling a mortgage closing. The fees paid by the seller are primarily section H fees and are related to the COOP building fees and services, the seller also paid the majority of recording fees.<br>Reviewer Comment (2026-04-10): [Redacted] included points and fees in the [Redacted] calculation which total $[Redacted]and exceed the [Redacted] threshold by $[Redacted]. Seller paid points and fees are included in the [Redacted] calculation, however there may have been attorney fees that were the seller's responsibility only (versus borrower attorney fees paid by seller). The attorney fees were all paid to the same attorney and we could not locate documentation in the file to support whether any fees were the seller's sole responsibility, so additional documentation is required. Please provide documentary evidence to support whether any fees were the seller's sole responsibility and not the borrower's. In other words, documentation to support any fee that was unique to the seller side of the transaction and was not a borrower imposed fee that was being paid by the seller.<br>Buyer Comment (2026-04-09): Do Not Concur. [Redacted] is stating that this is a [Redacted] High Cost loan and [Redacted] determined that it is not a High Cost loan. Please see screen snips of fees used for testing. | 04/14/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225406309 |  | 3158623843 |  | 36210762 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Shop Around Notice Not on Loan Application) | [Redacted]High-Cost Loan: Mandatory "Shop Around" Notice not included on loan application to applicant. |  |  |  |  | Reviewer Comment (2026-04-14): evidence of seller paid atty fees received and acceptable.<br>Buyer Comment (2026-04-13): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. [Redacted] was the attorney that handled the closing and is listed as the settlement agent, his fee of $[Redacted] is customary for an attorney in [Redacted] handeling a mortgage closing. The fees paid by the seller are primarily section H fees and are related to the COOP building fees and services, the seller also paid the majority of recording fees.<br>Reviewer Comment (2026-04-10): [Redacted] included points and fees in the [Redacted] calculation which total $[Redacted] and exceed the [Redacted] threshold by $[Redacted]. Seller paid points and fees are included in the [Redacted] calculation, however there may have been attorney fees that were the seller's responsibility only (versus borrower attorney fees paid by seller). The attorney fees were all paid to the same attorney and we could not locate documentation in the file to support whether any fees were the seller's sole responsibility, so additional documentation is required. Please provide documentary evidence to support whether any fees were the seller's sole responsibility and not the borrower's. In other words, documentation to support any fee that was unique to the seller side of the transaction and was not a borrower imposed fee that was being paid by the seller.<br>Buyer Comment (2026-04-09): Do Not Concur. [Redacted] is stating that this is a [Redacted] High Cost loan and [Redacted] determined that it is not a High Cost loan. Please see screen snips of fees used for testing. | 04/14/2026 |  |  | 1 C A |  | NY | Primary | Purchase | No obvious cure C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225406309 |  | 3158623843 |  | 36210763 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Disclosure of Taxes and Insurance Not Provided) | [Redacted] High-Cost Loan: Disclosure of Taxes and Insurance not provided to borrower. |  |  |  |  | Reviewer Comment (2026-04-14): evidence of seller paid atty fees received and acceptable.<br>Buyer Comment (2026-04-13): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. [Redacted] was the attorney that handled the closing and is listed as the settlement agent, his fee of $[Redacted] is customary for an attorney in [Redacted] handeling a mortgage closing. The fees paid by the seller are primarily section H fees and are related to the COOP building fees and services, the seller also paid the majority of recording fees.<br>Reviewer Comment (2026-04-10): [Redacted] included points and fees in the [Redacted] calculation which total $[Redacted] and exceed the [Redacted] threshold by $[Redacted]. Seller paid points and fees are included in the [Redacted] calculation, however there may have been attorney fees that were the seller's responsibility only (versus borrower attorney fees paid by seller). The attorney fees were all paid to the same attorney and we could not locate documentation in the file to support whether any fees were the seller's sole responsibility, so additional documentation is required. Please provide documentary evidence to support whether any fees were the seller's sole responsibility and not the borrower's. In other words, documentation to support any fee that was unique to the seller side of the transaction and was not a borrower imposed fee that was being paid by the seller.<br>Buyer Comment (2026-04-09): Do Not Concur. [Redacted] is stating that this is a [Redacted] High Cost loan and [Redacted] determined that it is not a High Cost loan. Please see screen snips of fees used for testing. | 04/14/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225406309 |  | 3158623843 |  | 36210764 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New York High-Cost Loan (Points and Fees) | [Redacted] Anti-Predatory Lending Statute: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted] %). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2026-04-14): evidence of seller paid atty fees received and acceptable.<br>Buyer Comment (2026-04-13): Do Not Concur. [Redacted] requires (or strongly encourages) attorney involvement in mortgage closings to protect consumers and ensure legal compliance. This is a state-specific practice. [Redacted] was the attorney that handled the closing and is listed as the settlement agent, his fee of $[Redacted] is customary for an attorney in [Redacted] handeling a mortgage closing. The fees paid by the seller are primarily section H fees and are related to the COOP building fees and services, the seller also paid the majority of recording fees.<br>Reviewer Comment (2026-04-10): [Redacted] included points and fees in the [Redacted] calculation which total $[Redacted] and exceed the [Redacted] threshold by $[Redacted]. Seller paid points and fees are included in the [Redacted] calculation, however there may have been attorney fees that were the seller's responsibility only (versus borrower attorney fees paid by seller). The attorney fees were all paid to the same attorney and we could not locate documentation in the file to support whether any fees were the seller's sole responsibility, so additional documentation is required. Please provide documentary evidence to support whether any fees were the seller's sole responsibility and not the borrower's. In other words, documentation to support any fee that was unique to the seller side of the transaction and was not a borrower imposed fee that was being paid by the seller.<br>Buyer Comment (2026-04-09): Do Not Concur. [Redacted] is stating that this is a [Redacted] High Cost loan and [Redacted] determined that it is not a High Cost loan. Please see screen snips of fees used for testing. | 04/14/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225406309 |  | 3158623843 |  | 36210769 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-08): [Redacted] received copy of the system snip for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-04-08): Do not Concur. Valid CICs for affordable credit and product change [Redacted]. LEv4 disclosed timely same day | 04/08/2026 |  |  | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225406309 |  | 3158623843 |  | 36210770 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-08): [Redacted] received copy of the system snip for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-04-08): Do not concur. Valid CIC for loan amount [Redacted]. | 04/08/2026 |  |  | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225406309 |  | 3158623843 |  | 36249197 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception for [Redacted] decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The 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 (2026-04-07): Exception approved with comp factors. |  |  | 04/07/2026 | 2 B |  | NY | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225406310 |  | 3158623844 |  | 36213233 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. |  |  |  | Reviewer Comment (2026-04-06): desk review received and acceptable<br>Buyer Comment (2026-04-06): Please see attached CDA | 04/06/2026 |  |  | 1 D A |  | NY | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406311 |  | 3158623846 |  | 36245544 |  | 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]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received additional information on fee services<br>Buyer Comment (2026-04-10): Do Not Concur. [Redacted] is calling a fee the After Hours Closing / Post Closing Fee for $[Redacted] but this fee is actually in section H of the CD and is for the [Redacted] Common Charge paid to [Redacted] [Redacted], this is a property management company for the COOP building. This should not be included as a pre-paid fee for the finance charge calculation. This is not a fee for the extension of credit and has to be paid to the property management company on a regular basis for building maintenance and fees. | 04/13/2026 |  |  | 1 C A |  | NY | 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 |
| 225406311 |  | 3158623846 |  | 36245545 |  | 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 [Redacted] 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]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received additional information on fee services<br>Buyer Comment (2026-04-10): Do Not Concur. [Redacted] is calling a fee the After Hours Closing / Post Closing Fee for $[Redacted] but this fee is actually in section H of the CD and is for the [Redacted] Common Charge paid to [Redacted], this is a property management company for the COOP building. This should not be included as a pre-paid fee for the finance charge calculation. This is not a fee for the extension of credit and has to be paid to the property management company on a regular basis for building maintenance and fees. | 04/13/2026 |  |  | 1 C A |  | NY | 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 |
| 225406311 |  | 3158623846 |  | 36245602 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |  | 04/06/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406312 |  | 3158623847 |  | 36208406 |  | 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 (2026-04-06): 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 (2026-04-03): Do not Concur. Ten percent tolerance violation already cured at closing | 04/06/2026 |  |  | 1 C A |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406312 |  | 3158623847 |  | 36208407 |  | 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 $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-04-03): Do not Concur. [Redacted] received the appraisal/invoice on [Redacted]. Final inspection required .Valid CIC same day and LEv3 disclosed timely [Redacted] | 04/06/2026 |  |  | 1 C A |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406312 |  | 3158623847 |  | 36233520 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |  | 04/06/2026 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406313 |  | 3158623848 |  | 36262363 |  | 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 (2026-04-10): undiscounted interest rate and rate price received<br>Buyer Comment (2026-04-10): Do Not Concur. Please see Reg Testing information | 04/10/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406313 |  | 3158623848 |  | 36262365 |  | 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/fees failure. |  |  |  | Reviewer Comment (2026-04-10): undiscounted interest rate and rate price received<br>Buyer Comment (2026-04-10): Do Not Concur. Please see Reg Testing information | 04/10/2026 |  |  | 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 |
| 225406313 |  | 3158623848 |  | 36264063 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception for a 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]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-09): Exception approved with comp factors. |  |  | 04/09/2026 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406316 |  | 3158623855 |  | 36221991 |  | 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 (2026-04-10): undiscounted interest rate and rate price received<br>Buyer Comment (2026-04-10): Do Not Concur. Please see the Reg Testing information | 04/10/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406316 |  | 3158623855 |  | 36221997 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Discount Points fee changed to $[Redacted] on the final CD. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-10): valid COC received and change delivered timely<br>Buyer Comment (2026-04-10): Do Not Concur. The loan discount points increased to $[Redacted] on [Redacted] when the product changed, this was disclosed timely on CD v4. | 04/10/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406316 |  | 3158623855 |  | 36222003 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the points/fees failure. |  |  |  | Reviewer Comment (2026-04-10): undiscounted interest rate and rate price received<br>Buyer Comment (2026-04-10): Do Not Concur. Please see the Reg Testing information | 04/10/2026 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406316 |  | 3158623855 |  | 36255626 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [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. | No documentation in file to evidence receipt of the [Redacted] revised CD and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-04-10): e-delivery of interim CD's received<br>Buyer Comment (2026-04-10): Do Not Concur. CD v6 was issued on [Redacted] and also received by the customer on [Redacted], please see electronic receipt history provided, the APR was [Redacted]%, CD v7 had an APR of [Redacted] % and was issued on [Redacted] and closed on [Redacted], The APR decreased as well as the finance charge. CD v7 had a finance charge of $[Redacted] which is significantly less than the finance charge of $[Redacted] which was disclosed on CD v6. | 04/10/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406317 |  | 3158623856 |  | 36235748 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of the HOA document. |  |  |  | Reviewer Comment (2026-04-09): REO documentation received is acceptable<br>Buyer Comment (2026-04-09): file build pages [Redacted] and [Redacted] show the property is a SFH that has no HOA | 04/09/2026 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406320 |  | 3158623860 |  | 36250508 |  | 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 was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-04-14): valid COC received and reported to borrower timely<br>Buyer Comment (2026-04-14): Do not Concur. Valid CICs for interest rate and product change [Redacted]. Note: [Redacted] is requesting a CIC for a higher amount of loan points that were charged to the customer at closing.<br>Reviewer Comment (2026-04-14): [Redacted] Received COC dated [Redacted]; however, provide COC for discount point fee added on CD dated [Redacted]. A Valid COC or cure is required. Cure Consists of PCCD, LOE, Refund Check and Proof of Mailing required.<br>Buyer Comment (2026-04-10): Do not Concur. Lock expiration and CIC for loan points [Redacted]. Points were $[Redacted]. Points decreased at closing | 04/14/2026 |  |  | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225406320 |  | 3158623860 |  | 36256800 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception due to [Redacted] decline. 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>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 | Reviewer Comment (2026-04-08): Exception approved with comp factors. |  |  | 04/08/2026 | 2 B |  | NY | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225406321 |  | 3158623862 |  | 36247771 |  | 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 or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-07): Sufficient Cure Provided At Closing |  | 04/07/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406322 |  | 3158623864 |  | 36249619 |  | 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 LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-09): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-04-08): Do not Concur. Initial loan lock [Redacted]. Loan points can float. Points decreased at closing | 04/09/2026 |  |  | 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 |
| 225406322 |  | 3158623864 |  | 36249620 |  | 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 LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-09): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-04-08): Do not Concur. Initial loan lock [Redacted]. Loan points can float. Points decreased at closing | 04/09/2026 |  |  | 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 |
| 225406322 |  | 3158623864 |  | 36249621 |  | 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 LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-09): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-04-08): Do not Concur. [Redacted] received appraisal/invoice [Redacted]. Valid CIC for required repairs. LEv2 disclosed timely | 04/09/2026 |  |  | 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 |
| 225406324 |  | 3158623867 |  | 36239116 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-14): valid COC received and delivered timely to the borrower<br>Buyer Comment (2026-04-14): Do not Concur. Loan points can float up until the loan locks. The loan points on CDv2 were at $[Redacted]. Points decreased and a CD did not have to be redisclosed with the initial loan lock. No cure due back. No required redisclosed Cd required either.<br>Reviewer Comment (2026-04-14): [Redacted] received changed circumstance dated [Redacted], but a corresponding CD was not provided. Please provide CD for further analysis.<br>Buyer Comment (2026-04-10): Do not Concur. Loan points can float until the initial loan lock occurs. Initial loan lock [Redacted]. Loan points decreased with the initial lock. A Cd did not have to be redisclosed with a decrease. No cure due back | 04/14/2026 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406324 |  | 3158623867 |  | 36239117 |  | 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. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted]over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-14): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-04-10): Do not Concur. Valid CICs for loan amount, vesting change, and appraised value [Redacted]. CDv1 disclosed timely. Transfer taxes actually decreased at closing | 04/14/2026 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406324 |  | 3158623867 |  | 36264266 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | Universal Product Exception Form in file for lender exception for the amount of cash out. 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 owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The 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 (2026-04-09): Exception approved with comp factors. |  |  | 04/09/2026 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406325 |  | 3158623868 |  | 36252807 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Title Evidence: ___; <br> State: ___ | Provide final title or supplemental title commitment showing loan amount coverage. |  |  |  | Reviewer Comment (2026-04-14): final title policy received<br>Buyer Comment (2026-04-14): Final Title Policy provided | 04/14/2026 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406325 |  | 3158623868 |  | 36252842 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-07): Sufficient Cure Provided At Closing |  | 04/07/2026 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406326 |  | 3158623871 |  | 36250018 |  | 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. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-14): valid COC received and delivered to the borrower timely<br>Buyer Comment (2026-04-14): Do not Concur. Customer chose their own provider. Attorney preference document signed. Attestation from legal attached previously. It does not matter that the customer chose a provider that was on the written list of providers. Also there is no TRID violation if a fee is held to tolerance and didnt have to be. The customer was not over charged. The survey fee is unlimited tolerance. Valid CIC of when [Redacted] received the survey invoice. CDv2 disclosed timely same day. no cure due back.<br>Reviewer Comment (2026-04-14): [Redacted] received rebuttal, however fee is disclosed in sec B of CD and is subject to [Redacted]% tolerance. Please provide valid COC for increase or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-04-10): Do not Concur. Customer chose their own provider. Survey fee is unlimited tolerance on this transaction. Attestation attached as a reminder of survey fee tolerance<br>Reviewer Comment (2026-04-10): [Redacted] received rebuttal however, [Redacted]% fees includes recording fee and Survey fee. Since the Survey fee was initially disclosed as borrower can shop for also the borrower has shopped the service from [Redacted], [Redacted]. which is listed on SSPL. The fee was then increased from $[Redacted] to $[Redacted] without providing any valid COC in file. Please provide a VCC for increase or cure would be required.<br>Buyer Comment (2026-04-08): Do not Concur. On this purchase transaction title fees in section C are unlimited tolerance. Section E is the [Redacted]% tolerance and was only charged $[Redacted] at closing. No cure due back | 04/14/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406327 |  | 3158623873 |  | 36234585 |  | 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]). | 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]). |  |  |  | Reviewer Comment (2026-04-10): [Redacted] received LOE.<br>Buyer Comment (2026-04-09): Please see explanation of the Financial Verification Fee and that it is included as a pre-paid fee in calculations<br>Reviewer Comment (2026-04-08): Please provide LOE documenting the purpose of the financial verification fee. The fee appears to be a finance charge per 1026.4(c)(7). Fees excludable form the finance charge calculation are: (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 (2026-04-07): Please clarify [Redacted] calculation, unable to determine how the $[Redacted] variance is calculated | 04/10/2026 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406327 |  | 3158623873 |  | 36234586 |  | 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 [Redacted] 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]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] 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]). |  |  |  | Reviewer Comment (2026-04-10): [Redacted] received LOE.<br>Buyer Comment (2026-04-09): Please see explanation of the Financial Verification Fee and that it is included as a pre-paid fee in calculations<br>Reviewer Comment (2026-04-08): Please provide LOE documenting the purpose of the financial verification fee. The fee appears to be a finance charge per 1026.4(c)(7). Fees excludable form the finance charge calculation are: (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 (2026-04-07): Please clarify [Redacted] calculation, unable to determine how the $[Redacted] variance is calculated | 04/10/2026 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406327 |  | 3158623873 |  | 36234587 |  | 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. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-14): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-04-13): Do Not Concur. Please see CICs for [Redacted] for Product Change and Loan Amount.<br>Reviewer Comment (2026-04-13): [Redacted] received a system screenshot indicating a loan amount change on [Redacted]. However, there is no corresponding loan amount change reflected on the CD dated [Redacted]. Instead, the loan amount further increased from $[Redacted] to $[Redacted] on the CD dated [Redacted]. Additionally, the Lender's Title Insurance fee increased to $[Redacted] on the LE dated [Redacted], and the loan file does not contain a valid COC supporting this increase. Moreover, recording fees are typically assessed as a flat fee with a per-page charge and are not tied to the loan amount. Therefore, the cure would be due to the borrower.<br>Buyer Comment (2026-04-09): Do Not Concur. Please see CIC for loan amount change on [Redacted] and the CD v1 that disclosed on [Redacted] reset the baseline.<br>Reviewer Comment (2026-04-09): [Redacted] Received lender's tolerance calculation sheet and baseline for [Redacted]% fees considered as $[Redacted] versus $[Redacted]. As per Initial LE dated [Redacted], baseline should be $[Redacted] which included settlement fee $[Redacted], Lender title insurance $[Redacted], recording fee $[Redacted]and [Redacted] Sales tax $[Redacted]. Title fees increased on revised LE dated [Redacted] without valid COC. A valid COC or cure is due for $[Redacted]. Cure Consists of PCCD, LOE and Refund Check.<br>Buyer Comment (2026-04-07): Unable to determine how the [Redacted]% fees were calculated, our baseline calculation is much higher than [Redacted], please clarify | 04/14/2026 |  |  | 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 B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406327 |  | 3158623873 |  | 36241567 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception of DTI ratio. Exception approved, with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-06): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 04/06/2026 | 2 B |  | WA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406327 |  | 3158623873 |  | 36241720 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) |  | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-06): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 04/06/2026 | 2 B |  | WA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406331 |  | 3158623878 |  | 36235736 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-08): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-04-07): Do Not Concur. The pricing changed on [Redacted], the lender credit was premium pricing and this changed to $[Redacted] and was disclosed timely on LE v5. | 04/08/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406332 |  | 3158623879 |  | 36242407 |  | 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. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-09): valid COC received and acceptable timing<br>Buyer Comment (2026-04-08): Do not Concur. Initial loan lock [Redacted]. CD disclosed timely | 04/09/2026 |  |  | 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 |
| 225406332 |  | 3158623879 |  | 36242408 |  | 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 Residential Mortgage. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Residential Mortgage. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-09): valid COC received and acceptable timing<br>Buyer Comment (2026-04-08): Correction to comment: title fees on this purchase transaction are unlimited tolerance. Invalid Exception<br>Buyer Comment (2026-04-08): Do not concur. [Redacted] is treating the title fee as a zero percent fee. This title fee is a [Redacted]% fee and did not go over baseline. Invalid exception | 04/09/2026 |  |  | 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 |
| 225406332 |  | 3158623879 |  | 36242413 |  | 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 - Service Charges. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-09): valid COC received and acceptable timing<br>Buyer Comment (2026-04-08): Correction to comment: title fees on this purchase transaction are unlimited tolerance. Invalid Exception<br>Buyer Comment (2026-04-08): Do not concur. [Redacted] is treating the title fee as a zero percent fee. This title fee is a [Redacted]% fee and did not go over baseline. Invalid exception | 04/09/2026 |  |  | 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 |
| 225406333 |  | 3158623881 |  | 36237964 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-04-09): Do not Concur. Valid CICs for interest rate and loan points. CDv3 disclosed timely same day | 04/13/2026 |  |  | 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 |
| 225406334 |  | 3158623882 |  | 36248983 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2026-04-10): [Redacted] received VCC dated [Redacted].<br>Buyer Comment (2026-04-08): Do not Concur. [Redacted] received appraisal/invoice [Redacted]. Valid CIC for required repairs. LEv4 disclosed timely | 04/10/2026 |  |  | 1 C A |  | NY | 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 |
| 225406334 |  | 3158623882 |  | 36248985 |  | 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 Assignment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Assignment 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 (2026-04-10): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-04-08): Do not Concur. [Redacted] assigning fee tolerance violation already cured at closing | 04/10/2026 |  |  | 1 C A |  | NY | 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 |
| 225406334 |  | 3158623882 |  | 36265906 |  | 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 Assignment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-10): Sufficient Cure Provided At Closing |  | 04/10/2026 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406336 |  | 3158623884 |  | 36258499 |  | 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 (2026-04-13): [Redacted] received system snip for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-04-10): Do not concur. Section E tolerance violation already cured at closing | 04/13/2026 |  |  | 1 C A |  | OR | 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 |
| 225406336 |  | 3158623884 |  | 36258500 |  | 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 (2026-04-13): [Redacted] received system snip for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-04-10): Do not Concur. Valid CICs for Interest rate, loan points, and loan amount [Redacted]. CDv6 disclosed timey | 04/13/2026 |  |  | 1 C A |  | OR | 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 |
| 225406336 |  | 3158623884 |  | 36271883 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-13): Sufficient Cure Provided At Closing |  | 04/13/2026 |  | 1 A |  | OR | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406337 |  | 3158623886 |  | 36249111 |  | 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. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-09): valid COC received and acceptable timing<br>Buyer Comment (2026-04-08): Do not Concur. Initial loan lock [Redacted]. Points can float until that happens. Points were $[Redacted] on the final CD and decreased at closing. No CD required to disclose the loan lock if the tolerance fees decreased which they did. No cure due back | 04/09/2026 |  |  | 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 |
| 225406338 |  | 3158623888 |  | 36208572 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Survey Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-15): sufficient documentation received for the survey fee to show borrower chosen fee<br>Buyer Comment (2026-04-15): Do not Concur. Customer chose their own provider. Attorney preference document signed. Attestation from legal attached previously. It does not matter that the customer chose a provider that was on the written list of providers. Also there is no TRID violation if a fee is held to tolerance and didn't have to be. The customer was not over charged. The survey fee is unlimited tolerance. Please see invoice from survey company to the Title company.<br>Reviewer Comment (2026-04-14): [Redacted] received rebuttal, however survey fee is added on sec B of CD and was not disclosed on any LE therefore is subject to 0% tolerance. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-04-10): Do not Concur. The customer chose their own provider. The fee is unlimited tolerance. The system unnecessarily cured some of the survey fee which is in favor to the customer. Attached the attestation letter as a reminder for survey fee tolerance.<br>Reviewer Comment (2026-04-07): [Redacted] Final CD reflects Cure amount $[Redacted] and required cure amount is $[Redacted]. Provide additional cure amount in $[Redacted]. Cure docs consist of PCCD, LOE and Refund check.<br>Buyer Comment (2026-04-06): Do Not Concur. Please see that the survey fee was cured at closing. | 04/15/2026 |  |  | 1 C A |  | DC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406340 |  | 3158623891 |  | 36252779 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-14): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-04-10): Do not Concur. Initial lock [Redacted]. Lev8 disclosed timely same day | 04/14/2026 |  |  | 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 |
| 225406341 |  | 3158623892 |  | 36231451 |  | 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 condition due to excessive Points and Fees and lender exception for DTI exceeding guidelines. |  |  |  | Reviewer Comment (2026-04-07): SHQM (APOR)<br>Buyer Comment (2026-04-07): Please see attached Undiscounted rate and reg testing | 04/07/2026 |  |  | 1 B A C |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406341 |  | 3158623892 |  | 36231452 |  | 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 (2026-04-07): rate information received<br>Buyer Comment (2026-04-07): Please see attached Undiscounted rate and reg testing | 04/07/2026 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406341 |  | 3158623892 |  | 36231454 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-08): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-04-07): Do not Concur. Valid CICs for product and loan points [Redacted] that increased points to $[Redacted] . Loan points decreased at closing | 04/08/2026 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406341 |  | 3158623892 |  | 36231455 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The appraisal fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-08): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-04-07): Do not Concur. Valid CIC and attached complexity comments [Redacted].CDv3 disclosed timely same day | 04/08/2026 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406341 |  | 3158623892 |  | 36240011 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) 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 exceptions of DTI ratio. Exception approved, with comp factors. |  |  |  | Reviewer Comment (2026-04-07): rate information received<br>Buyer Comment (2026-04-07): Please see attached Undiscounted rate and reg testing | 04/07/2026 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406341 |  | 3158623892 |  | 36240013 |  | 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 exceptions of DTI ratio. Exception approved, with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The 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]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-06): Universal Product Exception Form in file for lender exceptions of DTI ratio. Exception approved, with comp factors. |  |  | 04/06/2026 | 2 B |  | VA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406341 |  | 3158623892 |  | 36252602 |  | 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 exceptions of DTI ratio. Exception with comp factors | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The 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]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-07): Lender exception with comp factors in file. |  |  | 04/07/2026 | 2 B |  | VA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406342 |  | 3158623893 |  | 36221149 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  | Reviewer Comment (2026-04-03): Documentation in file meets guidelines |  |  | 04/03/2026 | 2 B |  | IL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406344 |  | 3158623895 |  | 36238513 |  | 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 (2026-04-09): valid COC received and acceptable timing<br>Buyer Comment (2026-04-08): Do not Concur. Due to a underwriting counter offer, which the customer excepts, the product changed and the affordable credit was removed [Redacted]. CD disclosed same day | 04/09/2026 |  |  | 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 |
| 225406345 |  | 3158623896 |  | 36203462 |  | 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 LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-04-03): Do not Concur. Lock expiration [Redacted] and valid CICs for loan points, interest rate, and property type occurred. LEv10 disclosed timely [Redacted] | 04/06/2026 |  |  | 1 C A |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406345 |  | 3158623896 |  | 36203463 |  | 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 LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-04-03): Do not Concur. Valid CIC [Redacted]. See attached complexity comments. LEv5 disclosed timely same day | 04/06/2026 |  |  | 1 C A |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406346 |  | 3158623897 |  | 36245719 |  | 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. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-09): valid COC received and acceptable timing<br>Buyer Comment (2026-04-08): Do not Concur. Valid CICs for adding applicant and loan amount change [Redacted]. CD redisclosed timely | 04/09/2026 |  |  | 1 C A |  | KS | 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 |
| 225406347 |  | 3158623898 |  | 36210983 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [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 (2026-04-06): proof of CD delivery received<br>Buyer Comment (2026-04-06): Do not Concur. CD was sent via [Redacted] [Redacted] | 04/06/2026 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406347 |  | 3158623898 |  | 36211072 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-07): [Redacted] received valid COC document<br>Buyer Comment (2026-04-06): Do not Concur. Valid CICs for product and interest rate change [Redacted]. CDv5 disclosed timely same day | 04/07/2026 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406348 |  | 3158623902 |  | 36220227 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The file is missing a copy of the Verification of Non-US Citizen. |  |  |  | Reviewer Comment (2026-04-09): I-94 documentation received<br>Buyer Comment (2026-04-09): I-94 provided | 04/09/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406348 |  | 3158623902 |  | 36220271 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-08): valid COC received and acceptable<br>Buyer Comment (2026-04-07): Do not Concur. Valid CICs for credit score and loan points [Redacted]. LEv4 disclosed timely same day<br>Reviewer Comment (2026-04-07): [Redacted] received COC for rate lock on [Redacted], however fee increased on LE dated [Redacted] to $[Redacted]. As per rate lock document as well rate locked with $[Redacted] discount points. Please provide additional information on why discount points increased on LE dated [Redacted]. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check.<br>Buyer Comment (2026-04-06): Do Not Concur. The loan locked on [Redacted], the discount points changed, and this redisclosed timely on LE v4. | 04/08/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406350 |  | 3158623904 |  | 36207630 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-04-03): Do not Concur. Initial loan lock occurred [Redacted] | 04/06/2026 |  |  | 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 |
| 225406350 |  | 3158623904 |  | 36207631 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-06): 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 (2026-04-03): Do not Concur. Ten percent tolerance violation already cured at closing | 04/06/2026 |  |  | 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 |
| 225406350 |  | 3158623904 |  | 36233535 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |  | 04/06/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406351 |  | 3158623905 |  | 36211004 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-08): valid COC received and acceptable<br>Buyer Comment (2026-04-07): Do not Concur. An initial Lock in CD land does not have to be disclosed when tolerance fees decreased. Loan points can float up until the loan locks. The valid CIC already sent.<br>Reviewer Comment (2026-04-07): [Redacted] received valid COC dated [Redacted], however there is no CD available in file within [Redacted] days of COC dated [Redacted]. Please provide any missing CD if sent within [Redacted] days of COC for further analysis.<br>Buyer Comment (2026-04-06): Do not Concur. Initial Loan lock did not occur until [Redacted]. Loan points can float until that happens. [Redacted] is requesting for a CIC before the loan locked. No cure required.<br>Reviewer Comment (2026-04-06): [Redacted] received a valid COC dated [Redacted]. However, the discount point fee decreased on the Final CD compared to the [Redacted] CD, yet the fee exceeded tolerance when compared to the baseline. To re-baseline this exception, [Redacted] also requires a valid COC for the fee increase of $[Redacted] on [Redacted] CD or Cure is required to borrower.<br>Buyer Comment (2026-04-03): Do not Concur. Valid CIC for interest rate and loan points [Redacted]. CDv7 disclosed timely same day | 04/08/2026 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406353 |  | 3158623912 |  | 36210299 |  | 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]). | 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]). |  |  |  | Reviewer Comment (2026-04-08): [Redacted] received lender clarification of services provided is for CEMA payoff attorney fee.<br>Buyer Comment (2026-04-07): Do not Concur. Per title the section H assignment of mortgage fee is a CEMA fee and should not be included as a prepaid fee<br>Reviewer Comment (2026-04-06): [Redacted] recalculated finance charges to include the [Redacted] Attorney fee. Underdisclosure now calculated at $[Redacted] and appears related to the fee in Section H for $[Redacted] for the Assignment of Mortgage. Please provide a lender's attestation giving the specific services & purpose of this fee in order to determine if a finance charge.<br>Buyer Comment (2026-04-03): Do not concur. [Redacted] is not including the [Redacted] attorney fee $[Redacted] as a prepaid fee and should be. Please recalculate | 04/08/2026 |  |  | 1 C A |  | NY | 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 |
| 225406353 |  | 3158623912 |  | 36210300 |  | 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]). | 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]). |  |  |  | Reviewer Comment (2026-04-08): [Redacted] received lender clarification of services provided is for CEMA payoff attorney fee.<br>Buyer Comment (2026-04-07): Do not Concur. Per title the section H assignment of mortgage fee is a CEMA fee and should not be included as a prepaid fee<br>Reviewer Comment (2026-04-06): [Redacted] recalculated finance charges to include the [Redacted] Attorney fee. Underdisclosure now calculated at $[Redacted] and appears related to the fee in Section H for $[Redacted] for the Assignment of Mortgage. Please provide a lender's attestation giving the specific services & purpose of this fee in order to determine if a finance charge.<br>Buyer Comment (2026-04-03): Do not concur. [Redacted] is not including the [Redacted] attorney fee $[Redacted] as a prepaid fee and should be. Please recalculate | 04/08/2026 |  |  | 1 C A |  | NY | 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 |
| 225406353 |  | 3158623912 |  | 36210301 |  | 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 (2026-04-06): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-04-03): Do not Concur. Section E tolerance violation already cured at closing | 04/06/2026 |  |  | 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 |
| 225406353 |  | 3158623912 |  | 36210569 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent Only). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Attorney's Fee (Closing Agent Only) 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 (2026-04-06): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-04-03): Do not Concur. Valid CIC for loan being flagged as a CEMA. CDv2 disclosed timely | 04/06/2026 |  |  | 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 |
| 225406353 |  | 3158623912 |  | 36234471 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |  | 04/06/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406354 |  | 3158623914 |  | 36229788 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. |  |  |  | Reviewer Comment (2026-04-07): evidence of correct delivery order has been received<br>Buyer Comment (2026-04-07): Do not Concur. Redisclosed LE sent via [Redacted] [Redacted] | 04/07/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406355 |  | 3158623916 |  | 36220021 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations |  |  |  | Reviewer Comment (2026-04-07): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2026-04-06): Do Not Concur. The loan locked [Redacted], the discount points increased to $[Redacted] resetting the baseline, and disclosing timely on CD v2, the loan closed with discount points of $[Redacted]. | 04/07/2026 |  |  | 1 C A |  | AZ | 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 |
| 225406355 |  | 3158623916 |  | 36220022 |  | 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. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations |  |  |  | Reviewer Comment (2026-04-07): 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 (2026-04-06): Do not Concur. The final inspection fee for $[Redacted]was cured at closing please see system snip and final CD. | 04/07/2026 |  |  | 1 C A |  | AZ | 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 |
| 225406355 |  | 3158623916 |  | 36247942 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-04-07): Sufficient Cure Provided At Closing |  | 04/07/2026 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406356 |  | 3158623918 |  | 36210801 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception 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]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-06): Exception approved with comp factors. |  |  | 04/06/2026 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406356 |  | 3158623918 |  | 36210850 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-08): valid COC received and acceptable<br>Buyer Comment (2026-04-07): Do not Concur. An initial Lock in CD land does not have to be disclosed when tolerance fees decreased. Loan points can float up until the loan locks. The valid CIC already sent.<br>Reviewer Comment (2026-04-07): [Redacted] received changed circumstance dated [Redacted], but a corresponding LE/CD was not provided. Please provide LE/CD for further analysis.<br>Buyer Comment (2026-04-06): Do not Concur. Initial Loan lock did not happen until [Redacted]. Loan points can float until that happens. No cure required back. Points actually decreased once the loan locked. | 04/08/2026 |  |  | 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 |
| 225406357 |  | 3158623923 |  | 36206210 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [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 APR changed on the final CD and the borrower was not provided a copy of it at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-04-06): CD provided to borrower 3 business days prior to closing<br>Buyer Comment (2026-04-04): Do Not Concur. The CD v4 disclosed an APR of [Redacted]% and a finance charge of $[Redacted] on [Redacted] and then CD v5 disclosed an APR of [Redacted]% and a finance charge of $[Redacted] on [Redacted], the loan closed on [Redacted] with CD v6 being singed having an APR of [Redacted]% and a finance charge of $[Redacted]. The customer received CD v5 with the APR change on [Redacted] which is adequate time before closing on [Redacted], please see E-sign history for the closing disclosure showing that the customer electronically received the CD on [Redacted]. | 04/06/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406357 |  | 3158623923 |  | 36206211 |  | 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 final CD. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-04-04): Do Not Concur. The interest rate changed on [Redacted] which caused the discount points to change, they were disclosed on LE v6 as $[Redacted] changing the baseline, [Redacted], they decreased prior to closing | 04/06/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406357 |  | 3158623923 |  | 36206212 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | The final CD was signed by the borrower [Redacted] which becomes the "transaction date" and the loan disbursed less than 3 days after the transaction date. |  |  |  | Reviewer Comment (2026-04-06): acceptable documentation received<br>Buyer Comment (2026-04-04): Do Not Concur. This was a hybrid e-closing, please see signed Right to Recision for where customer initialed the dates, and system snips of comments regarding disbursement and customer contact. | 04/06/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406357 |  | 3158623923 |  | 36206213 |  | 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). | Because the final CD was signed and dated [Redacted], the expected Right to Cancel expiration date was [Redacted]; however, the date reflected on the RTC form was [Redacted]. |  |  |  | Reviewer Comment (2026-04-06): acceptable documentation received<br>Buyer Comment (2026-04-04): Do Not Concur. This was a hybrid e-closing, please see signed Right to Recision for where customer initialed the dates, and system snips of comments regarding disbursement and customer contact. | 04/06/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406360 |  | 3158623926 |  | 36211160 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-09): valid COC received and acceptable timing<br>Buyer Comment (2026-04-08): Do not Concur. Initial loan lock [Redacted]. CDv1 disclosed same day. Points decreased at closing | 04/09/2026 |  |  | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225406360 |  | 3158623926 |  | 36252675 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception for 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>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 | Reviewer Comment (2026-04-07): Exception approved with comp factors. |  |  | 04/07/2026 | 2 B |  | NY | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225406361 |  | 3158623927 |  | 36213370 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | System screenshots in file for HOI coverage do not show full replacement cost coverage. The Note amount is $[Redacted], and the appraisal did not indicated the estimated cost new value. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2026-04-07): HOI coverage in file is acceptable and sufficient<br>Buyer Comment (2026-04-07): HOI Screenshot in file build reference Replacement Cost as Y- reference pg [Redacted] - Hazard Insurance Flag Maintenance section (RCC) | 04/07/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406362 |  | 3158623929 |  | 36251454 |  | 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 4.0, which does not meet securitization requirements. |  |  |  | Reviewer Comment (2026-04-16): BPO received that supports the appraisal value<br>Buyer Comment (2026-04-16): Please see attached BPO supporting value. | 04/16/2026 |  |  | 1 D A |  | ME | Second Home | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406362 |  | 3158623929 |  | 36251501 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redaction] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redaction] is over disclosed by $[Redaction] compared to the calculated Amount Financed of $[Redaction] 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 [Redaction]). | The disclosed Amount Financed in the amount of $[Redaction] is over disclosed by $[Redaction] compared to the calculated Amount Financed of $[Redaction]. |  |  |  | Reviewer Comment (2026-04-15): PCCD, LOX, refund check, and proof of delivery received for cure<br>Buyer Comment (2026-04-15): Please see attached PCCD package<br>Reviewer Comment (2026-04-13): 1026.4(c)(7) states only fees pertaining to the following may be excluded from the APR calculation. The Title - Administrative fee does not fall into any of these areas. Cure is required. (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 (2026-04-10): Do not Concur. See attached LOX. [Redaction] is including the Title-administrative fee in the calculation as a prepaid fee and should not be |  | 04/15/2026 |  | 2 C B |  | ME | Second Home | 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 |
| 225406362 |  | 3158623929 |  | 36251502 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redaction] 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 $[Redaction] is under disclosed by $[Redaction] compared to the calculated Finance Charge of $[Redaction] which exceeds the $[Redaction] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redaction]). | The disclosed Finance Charge in the amount of $[Redaction] is under disclosed by $[Redaction] compared to the calculated Finance Charge of $[Redaction]. |  |  |  | Reviewer Comment (2026-04-15): PCCD, LOX, refund check, and proof of delivery received for cure<br>Buyer Comment (2026-04-15): Please see attached PCCD package<br>Reviewer Comment (2026-04-13): 1026.4(c)(7) states only fees pertaining to the following may be excluded from the APR calculation. The Title - Administrative fee does not fall into any of these areas. Cure is required. (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 (2026-04-10): Do not Concur. See attached LOX. [Redaction] is including the Title-administrative fee in the calculation as a prepaid fee and should not be |  | 04/15/2026 |  | 2 C B |  | ME | Second Home | 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 |
| 225406362 |  | 3158623929 |  | 36251504 |  | 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 $[Redaction] exceeds tolerance of $[Redaction]. $[Redaction] over legal limit. Insufficient or no cure was provided to the borrower. | The Survey Fee changed to $[Redaction] on the CD dated [Redaction]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-13): [Redaction] received rebuttal and attestation suffice.<br>Buyer Comment (2026-04-09): Do not Concur. Customer chose their own provider. Attached Attestation letter as a reminder that the survey fee is held to unlimited tolerance when customer selected | 04/13/2026 |  |  | 1 C A |  | ME | 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 |
| 225406363 |  | 3158623930 |  | 36211184 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-06): [Redacted] Received COC dated [Redacted].<br>Buyer Comment (2026-04-03): Do not Concur. Initial loan lock [Redacted] increased points to $[Redacted]. Points decreased at closing | 04/06/2026 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406364 |  | 3158623932 |  | 36214597 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-07): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-04-06): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. CDv2 disclosed timely | 04/07/2026 |  |  | 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 |
| 225406365 |  | 3158623934 |  | 36210466 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | [Redacted] mortgage statement not provided in file (Tax and Insurance document unable to verify it was escrow or not in file) |  |  |  | Reviewer Comment (2026-04-07): sufficient REO documentation in file<br>Buyer Comment (2026-04-07): UW used the [Redacted] tax returns form [Redacted] on the [Redacted]. This is a commercial property and the taxes and ins are on that document. The payment of [Redacted] is stated on the customers credit report | 04/07/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406365 |  | 3158623934 |  | 36210517 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2026-04-03): proof of appraisal delivery received<br>Buyer Comment (2026-04-03): Do not Concur. Appraisals sent vial [Redacted] | 04/03/2026 |  |  | 1 B A |  | NY | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406365 |  | 3158623934 |  | 36210518 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2026-04-03): proof of appraisal delivery received<br>Buyer Comment (2026-04-03): Do not Concur. Appraisals sent vial [Redacted] | 04/03/2026 |  |  | 1 B A |  | NY | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406366 |  | 3158623935 |  | 36247103 |  | 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]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate. |  |  |  | Reviewer Comment (2026-04-10): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2026-04-09): Please see attached PCCD package |  | 04/10/2026 |  | 2 C B |  | CA | Second Home | 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 |
| 225406366 |  | 3158623935 |  | 36247104 |  | 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]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. |  |  |  | Reviewer Comment (2026-04-10): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2026-04-09): Please see attached PCCD package |  | 04/10/2026 |  | 2 C B |  | CA | Second Home | 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 |
| 225406367 |  | 3158623938 |  | 36249153 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. No COC found. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-10): [Redacted] received valid COC document<br>Buyer Comment (2026-04-09): Do not Concur. Valid CIC for interest rate. [Redacted] . CDv4 disclosed timely | 04/10/2026 |  |  | 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 |
| 225406368 |  | 3158623939 |  | 36252905 |  | 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]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate |  |  |  | Reviewer Comment (2026-04-10): [Redacted] received lender attestation on purpose of [Redacted] review fee<br>Buyer Comment (2026-04-09): Do not Concur. [Redacted] is including the section [Redacted] review fee $[Redacted] as a prepaid fee and should not be. LOX attached from title. Also Note: the project processing fee $[Redacted] already cured at closing. Please recalculate | 04/10/2026 |  |  | 1 C A |  | NY | 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 |
| 225406368 |  | 3158623939 |  | 36252906 |  | 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]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold |  |  |  | Reviewer Comment (2026-04-10): [Redacted] received lender attestation on purpose of [Redacted] review fee<br>Buyer Comment (2026-04-09): Do not Concur. [Redacted] is including the section [Redacted] review fee $[Redacted] as a prepaid fee and should not be. LOX attached from title. Also Note: the project processing fee $[Redacted] already cured at closing. Please recalculate | 04/10/2026 |  |  | 1 C A |  | NY | 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 |
| 225406368 |  | 3158623939 |  | 36252907 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-09): valid COC received and acceptable timing<br>Buyer Comment (2026-04-09): Do not Concur. Lock expiration and CIC for loan points [Redacted]. CDv7 disclosed timely | 04/09/2026 |  |  | 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 |
| 225406368 |  | 3158623939 |  | 36252908 |  | 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 $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-09): valid COC received and acceptable timing<br>Buyer Comment (2026-04-09): Do not Concur. Project processing fee tolerance violation was already cured at closing | 04/09/2026 |  |  | 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 |
| 225406368 |  | 3158623939 |  | 36252909 |  | 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 $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-09): valid COC received and acceptable timing<br>Buyer Comment (2026-04-09): Do not Concur. The appraisal was expiring and a recert was completed [Redacted]. CDv6 disclosed timely same day | 04/09/2026 |  |  | 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 |
| 225406368 |  | 3158623939 |  | 36252910 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney 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 Attorney Review Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-09): attorney fee was properly disclosed from initial LE<br>Buyer Comment (2026-04-09): Do not concur. The [Redacted] attorney fee $[Redacted] was disclosed up front on the initial LE. Invalid exception | 04/09/2026 |  |  | 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 |
| 225406369 |  | 3158623944 |  | 36264321 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception due to PAG decline. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than[Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-09): Exception approved with comp factors. |  |  | 04/09/2026 | 2 B |  | CA | Primary | Purchase | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406370 |  | 3158623945 |  | 36239179 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received valid COC document<br>Buyer Comment (2026-04-09): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. CDv8 disclosed timely | 04/13/2026 |  |  | 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 |
| 225406370 |  | 3158623945 |  | 36239180 |  | 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 Flood Certification (Initial Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Flood Certification (Initial Fee) Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-15): LOX, PCCD, refund check and proof of mailing received for cure<br>Buyer Comment (2026-04-15): Please see attached PCCD package |  | 04/15/2026 |  | 2 C B |  | 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 |
| 225406370 |  | 3158623945 |  | 36239181 |  | 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 Flood Certification (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 Flood Certification (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 (2026-04-15): LOX, PCCD, refund check and proof of mailing received for cure<br>Buyer Comment (2026-04-15): Please see attached PCCD package |  | 04/15/2026 |  | 2 C B |  | 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 |
| 225406371 |  | 3158623947 |  | 36208411 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-01): Sufficient Cure Provided At Closing |  | 04/01/2026 |  | 1 A |  | CO | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406372 |  | 3158623948 |  | 36214529 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change and no evidence of tolerance cure in file. |  |  |  | Reviewer Comment (2026-04-07): 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 (2026-04-06): Sufficient cure is present. | 04/07/2026 |  |  | 1 C A |  | DC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406372 |  | 3158623948 |  | 36214530 |  | 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. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change and no evidence of tolerance cure in file. |  |  |  | Reviewer Comment (2026-04-07): 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 (2026-04-06): Sufficient cure is present. | 04/07/2026 |  |  | 1 C A |  | DC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406372 |  | 3158623948 |  | 36214531 |  | 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. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change and no evidence of tolerance cure in file. |  |  |  | Reviewer Comment (2026-04-08): Fee tolerance is acceptable<br>Buyer Comment (2026-04-07): Do Not Concur - Please review final settlement statement confirming Survey fee is "Title" related - borrower shopped for settlement/insurance provider - all fees associated would be considered shopped and not held to tolerance | 04/08/2026 |  |  | 1 C A |  | DC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406373 |  | 3158623949 |  | 36210395 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2026-04-03): evidence of appraisal delivery received<br>Buyer Comment (2026-04-03): DO Not Concur - please review page 464/D0940 | 04/03/2026 |  |  | 1 B A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406373 |  | 3158623949 |  | 36210398 |  | 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 $[Redaction] exceeds tolerance of $[Redaction]. $[Redaction] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to $[Redaction] on the CD dated [Redaction]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-16): documentation received and appraisal waiver on previous product verified, appraisal needed with updated product change.<br>Buyer Comment (2026-04-16): Please review earlier LP 31 - FPA0100<br>Reviewer Comment (2026-04-14): [Redaction] received rebuttal comment however, no documents are provided to verify the appraisal waiver eligibility at the time of initial review.<br>Buyer Comment (2026-04-13): The LP findings show the loan was agency eligible and had collateral representation and warranty relief. When the product was switched from agency to non-agency an appraisal was required.<br>Reviewer Comment (2026-04-06): [Redaction] received COC indicates product change. However, an appraisal fee is typically the same for both products, and a product change should not impact this fee unless an appraisal waiver applies. Additionally, there is no PIW documented in the loan file to support that the appraisal was waived at the time of the initial disclosures. A product change alone would not result in the appraisal fee being added or increased. Please provide additional information explaining how the product change triggered the need to order an appraisal. If there was another reason the fee was added, we will need that supporting information.<br>Buyer Comment (2026-04-03): DO Not Concur - please review page 889 /D0721 - Change in product disclosed, requiring appraisal | 04/16/2026 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406375 |  | 3158623952 |  | 36208001 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Documentation indicates appraisal was sent to the borrower [Redacted]; however, there is no documentation of receipt and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-04-02): proof of appraisal delivery received<br>Buyer Comment (2026-04-02): Do not concur. Please review [Redacted], Appraisal/Valuation Acknowledgement signed at closing. | 04/02/2026 |  |  | 1 B A |  | SC | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406376 |  | 3158623953 |  | 36221530 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2026-04-06): appraisal provided to the borrower<br>Buyer Comment (2026-04-06): Please see D1514. | 04/06/2026 |  |  | 1 B A |  | NE | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406376 |  | 3158623953 |  | 36221549 |  | 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. |  |  |  |  |  |  |  | 3 C |  | NE | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406376 |  | 3158623953 |  | 36221554 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  |  |  |  |  | 3 C |  | NE | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406378 |  | 3158623960 |  | 36253986 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___<br> ___ | Insurance Verification, Tax Verification document is missing in the file. |  |  |  | Reviewer Comment (2026-04-10): REO documentation received and acceptable<br>Buyer Comment (2026-04-10): [Redacted] Tax Verification page [Redacted]/[Redacted] and page [Redacted]/[Redacted]- Insurance Verification page [Redacted]/[Redacted]<br> [Redacted] - [Redacted] Vacant - own Free & Clear / Tax $[Redacted] Tax Verification Page [Redacted]/[Redacted] | 04/10/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406378 |  | 3158623960 |  | 36253992 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | 442 document is missing in the file. |  |  |  | Reviewer Comment (2026-04-10): appraisal after completion in file<br>Buyer Comment (2026-04-10): Do Not Concur - new appraisal completed [Redacted] upon completion -"AS IS" - page[Redacted]/[Redacted] | 04/10/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406378 |  | 3158623960 |  | 36254020 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | File is missing a VVOE for the borrower within 10 days of the Note date. |  |  |  | Reviewer Comment (2026-04-10): VVOE received and acceptable<br>Buyer Comment (2026-04-10): Do not Concur - appears to have downloaded as blank page[Redacted] / [Redacted] | 04/10/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406378 |  | 3158623960 |  | 36254054 |  | 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 to borrower |  |  |  | Reviewer Comment (2026-04-10): disclosure received and acceptable<br>Buyer Comment (2026-04-10): Do Not Concur - in file [Redacted] (not visible) | 04/10/2026 |  |  | 1 B A |  | FL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406378 |  | 3158623960 |  | 36254056 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Subsequent Change Frequency | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on [Redacted] disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. | Adjustable Interest Rate Table: Final Closing Disclosure provided on [Redacted] disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition<br>Buyer Comment (2026-04-10): Concur - please accept remaining EV2's |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406378 |  | 3158623960 |  | 36254057 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on [Redacted] disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. | Adjustable Payment Table: Final Closing Disclosure provided on [Redacted] disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406378 |  | 3158623960 |  | 36254058 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on [Redacted] disclosed a Subsequent Changes period that does not match the actual terms for the loan. | Adjustable Payment Table: Final Closing Disclosure provided on [Redacted] disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406378 |  | 3158623960 |  | 36254060 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are overdisclosed. | Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are overdisclosed. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406378 |  | 3158623960 |  | 36254061 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406378 |  | 3158623960 |  | 36254062 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. | Final CD disclosed an escrow payment of $[Redacted]; however, the escrows set up in section G of page 2 reflected only $[Redacted]. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406378 |  | 3158623960 |  | 36254063 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. | Final CD disclosed an escrow payment of $[Redacted]; however, the escrows set up in section G of page 2 reflected only $[Redacted]. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406378 |  | 3158623960 |  | 36254064 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. | Final CD disclosed an escrow payment of $[Redacted]; however, the escrows set up in section G of page 2 reflected only $[Redacted]. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406378 |  | 3158623960 |  | 36254065 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment Construction Permanent Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 of $[Redacted]; however, the P/I reflected was only $[Redacted] |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406378 |  | 3158623960 |  | 36254068 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. | Final Closing Disclosure provided on [Redacted] with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406378 |  | 3158623960 |  | 36254069 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. | Final Closing Disclosure provided on [Redacted] with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406378 |  | 3158623960 |  | 36254070 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. | General Information: Final Closing Disclosure provided on [Redacted] disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406378 |  | 3158623960 |  | 36254071 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406378 |  | 3158623960 |  | 36254072 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406378 |  | 3158623960 |  | 36254073 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406378 |  | 3158623960 |  | 36254074 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406378 |  | 3158623960 |  | 36254077 |  | 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 $0.00 plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254078 |  | 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 Underwriting Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254079 |  | 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 Electronic Document Delivery Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254080 |  | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254081 |  | 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 Modification Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254082 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254083 |  | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254084 |  | 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. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254085 |  | 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 Modification Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254086 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254087 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254088 |  | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254089 |  | 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 - Title Update. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254090 |  | 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 Home Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254091 |  | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254092 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254093 |  | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254094 |  | 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 Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254095 |  | 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. | Both of the Loan Estimates in file are missing page 2 of the document. Accurate testing cannot be completed until a complete [Redacted] and [Redacted] LE are received. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | 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 |
| 225406378 |  | 3158623960 |  | 36254096 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. | ARM loan program disclosure does not match terms of loan. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406378 |  | 3158623960 |  | 36262256 |  | 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 file to evidence appraisal was delivered to the borrower at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406378 |  | 3158623960 |  | 36262257 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence secondary appraisal was delivered to the borrower at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition |  |  | 04/10/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406379 |  | 3158623961 |  | 36247461 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  | Reviewer Comment (2026-04-16): desk review received, supporting the appraised value<br>Buyer Comment (2026-04-15): See attached CDA<br>Reviewer Comment (2026-04-09): This is NOT a guideline issue, but a securitization requirement for either an AVM or desk review.<br>Buyer Comment (2026-04-09): Do Not Concur - per guidelines - The subject collateral is a cooperative unit. SSR scores do not generate for Cooperatives. Every cooperative unit will have FNMA and FHLMC SSR scores of 999. A second valuation would have been required at that time if the loan amount was ≥[Redacted] . The loan balance is $[Redacted]. - Second valuation would not be required<br>Reviewer Comment (2026-04-09): For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP's in file indicated no score and not eligible for rep and warrant relief. An AVM or Desk Review of the appraisal supporting the appraised value is required.<br>Buyer Comment (2026-04-09): Do Not Concur - AUS findings do not require a second evaluation and the appraisal in file is materially sufficient with no adverse conditions | 04/16/2026 |  |  | 1 D A |  | NY | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406382 |  | 3158623968 |  | 36251147 |  | 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. | The Survey Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-09): valid COC in file is acceptable<br>Buyer Comment (2026-04-09): Do Not concur - please review LOE confirming Survey fee was title required - page [Redacted]/[Redacted] and page [Redacted]/ [Redacted] and settlement statement page [Redacted] / [Redacted] confirms survey fee as title | 04/09/2026 |  |  | 1 C A |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406382 |  | 3158623968 |  | 36256970 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exceptions of employment verification. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-08): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 04/08/2026 | 2 B |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406385 |  | 3158623974 |  | 36223217 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003 Final not provided |  |  |  | Reviewer Comment (2026-04-14): final 1003 received<br>Buyer Comment (2026-04-14): Please review<br>Buyer Comment (2026-04-14): Please review 1003 | 04/14/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406386 |  | 3158623975 |  | 36251255 |  | 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 4.1, which does not meet securitization requirements. |  |  |  | Reviewer Comment (2026-04-16): desk review received, supporting the appraisal value<br>Buyer Comment (2026-04-15): See attached CDA<br>Reviewer Comment (2026-04-09): this document by CoreLogic is not an AVM. it does not include an FSD score, confidence score or score type, along with not having a low or high value. this appears to be more of a replacement cost estimate.<br>Buyer Comment (2026-04-09): Do Not Concur - AVM page 604 / D0435 | 04/16/2026 |  |  | 1 D A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406386 |  | 3158623975 |  | 36251261 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-07): Sufficient Cure Provided At Closing |  | 04/07/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406386 |  | 3158623975 |  | 36251264 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | File is missing a VVOE for the borrower's secondary employment dated within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-04-09): VVOE received and acceptable<br>Buyer Comment (2026-04-09): Do Not Concur - please review page 249 / D0389 | 04/09/2026 |  |  | 1 C A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406386 |  | 3158623975 |  | 36255821 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing a VVOE for the borrower's secondary employment dated within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-04-09): VVOE received and acceptable | 04/09/2026 |  |  | 1 C A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406386 |  | 3158623975 |  | 36255827 |  | 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's secondary employment dated within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-04-09): VVOE received and acceptable | 04/09/2026 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406386 |  | 3158623975 |  | 36255828 |  | 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's secondary employment dated within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-04-09): VVOE received and acceptable | 04/09/2026 |  |  | 1 C A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406386 |  | 3158623975 |  | 36255832 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing VVOE for the borrower's secondary employment dated within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-04-09): VVOE received and acceptable | 04/09/2026 |  |  | 1 C A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406391 |  | 3158623981 |  | 36245526 |  | 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 appraisal was provided to the borrower at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-04-10): appraisal ack in file is acceptable<br>Buyer Comment (2026-04-10): Please see [Redacted] or [Redacted]. I attest that under the redacted info is the sent time stamp of [Redacted] [Redacted] and was sent to the email addresses of the borrower and co-borrower listed on the URLA/1003. | 04/10/2026 |  |  | 1 B A |  | FL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406392 |  | 3158623983 |  | 36252073 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2026-04-10): e-consent form received<br>Buyer Comment (2026-04-10): Please review uploaded e-consent. | 04/10/2026 |  |  | 1 C A |  | AL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406392 |  | 3158623983 |  | 36252387 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2026-04-10): proof of appraisal delivery received<br>Buyer Comment (2026-04-10): Please review uploaded correspondence between Correspondent and appraisal provider that states "Our mortgage team is refinancing a loan we did for the [Redacted] and they have questions regarding the appraisal report, attached." indicating the borrowers would have received a copy of the appraisal in order for them to dispute findings on it. | 04/10/2026 |  |  | 1 B A |  | AL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406392 |  | 3158623983 |  | 36252390 |  | 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 to borrower. |  |  |  | Reviewer Comment (2026-04-10): disclosure received<br>Buyer Comment (2026-04-10): Please review uploaded HLOC. | 04/10/2026 |  |  | 1 B A |  | AL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406392 |  | 3158623983 |  | 36252392 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose whether the loan will have an escrow account. | Page [Redacted] is missing from all copies of the final CD in file. Accurate testing cannot be completed until a complete copy of the final CD is received. |  |  |  | Reviewer Comment (2026-04-13): all pages of CD received<br>Buyer Comment (2026-04-10): Please review uploaded CD. | 04/13/2026 |  |  | 1 C A |  | AL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406392 |  | 3158623983 |  | 36252393 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan contains Negative Amortization. |  |  |  |  | Reviewer Comment (2026-04-13): all pages of CD received<br>Buyer Comment (2026-04-10): Please review uploaded CD. | 04/13/2026 |  |  | 1 C A |  | AL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406392 |  | 3158623983 |  | 36252394 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Page [Redacted] is missing from all copies of the final CD in file. Accurate testing cannot be completed until a complete copy of the final CD is received. |  |  |  | Reviewer Comment (2026-04-13): all pages of CD received<br>Buyer Comment (2026-04-10): Please review uploaded CD. | 04/13/2026 |  |  | 1 C A |  | AL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406392 |  | 3158623983 |  | 36252395 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year [Redacted] Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Page [Redacted] is missing from all copies of the final CD in file. Accurate testing cannot be completed until a complete copy of the final CD is received. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received all the pages of final CD.<br>Buyer Comment (2026-04-10): Please review uploaded CD. | 04/13/2026 |  |  | 1 C A |  | AL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406392 |  | 3158623983 |  | 36252396 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Security Interest | Unable to determine if the Closing Disclosure provided on ([Redacted]) disclosed a security interest address that was materially different than the collateral address. | Page [Redacted] is missing from all copies of the final CD in file. Accurate testing cannot be completed until a complete copy of the final CD is received. |  |  |  | Reviewer Comment (2026-04-13): all pages of CD received<br>Buyer Comment (2026-04-10): Please review uploaded CD. | 04/13/2026 |  |  | 1 C A |  | AL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406392 |  | 3158623983 |  | 36252398 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Page [Redacted] is missing from all copies of the final CD in file. Accurate testing cannot be completed until a complete copy of the final CD is received. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received all the pages of final CD.<br>Buyer Comment (2026-04-10): Please review uploaded CD. | 04/13/2026 |  |  | 1 C A |  | AL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406392 |  | 3158623983 |  | 36252399 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Loan Estimate [Redacted] Year Paid Off | TILA-RESPA Integrated Disclosure - Comparisons: Loan Estimate provided on [Redacted] did not disclose the total principal paid off in [Redacted] years. | The only Loan Estimate in file is missing pages [Redacted] and [Redacted]. Accurate testing cannot be completed until a complete Loan Estimate with all pages is received. |  |  |  | Reviewer Comment (2026-04-13): all pages of CD received<br>Buyer Comment (2026-04-10): Please review uploaded LE. | 04/13/2026 |  |  | 1 B A |  | AL | Primary | Refinance - Rate/Term | Can Only Cure by Final LE, not on CD Once the initial CD is issued this cannot be cured A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406392 |  | 3158623983 |  | 36252400 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Loan Estimate [Redacted] Year Payments | TILA-RESPA Integrated Disclosure - Comparisons: Loan Estimate provided on [Redacted] did not disclose the total principal paid off in [Redacted] years. | The only Loan Estimate in file is missing pages [Redacted] and [Redacted]. Accurate testing cannot be completed until a complete Loan Estimate with all pages is received. |  |  |  | Reviewer Comment (2026-04-13): all pages of CD received<br>Buyer Comment (2026-04-10): Please review uploaded LE. | 04/13/2026 |  |  | 1 B A |  | AL | Primary | Refinance - Rate/Term | Can Only Cure by Final LE, not on CD Once the initial CD is issued this cannot be cured A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406392 |  | 3158623983 |  | 36252401 |  | 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 only Loan Estimate in file is missing pages [Redacted] and [Redacted]. Accurate testing cannot be completed until a complete Loan Estimate with all pages is received. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received all the pages of initial LE.<br>Buyer Comment (2026-04-10): Please review uploaded LE. | 04/13/2026 |  |  | 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 |
| 225406392 |  | 3158623983 |  | 36252402 |  | 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 only Loan Estimate in file is missing pages [Redacted] and [Redacted]. Accurate testing cannot be completed until a complete Loan Estimate with all pages is received. |  |  |  | Reviewer Comment (2026-04-13): valid COC received<br>Buyer Comment (2026-04-13): Please review uploaded [Redacted] CIC.<br>Reviewer Comment (2026-04-13): [Redacted] received LE, however loan discount points fee increased on final CD dated [Redacted] to $[Redacted] from $[Redacted]. Please provide valid COC for CD dated [Redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-04-10): Please review uploaded LE. | 04/13/2026 |  |  | 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 |
| 225406392 |  | 3158623983 |  | 36252403 |  | 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 only Loan Estimate in file is missing pages [Redacted] and [Redacted]. Accurate testing cannot be completed until a complete Loan Estimate with all pages is received. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received all the pages of initial LE.<br>Buyer Comment (2026-04-10): Please review uploaded LE. | 04/13/2026 |  |  | 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 |
| 225406392 |  | 3158623983 |  | 36252404 |  | 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 Administration Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The only Loan Estimate in file is missing pages [Redacted] and [Redacted]. Accurate testing cannot be completed until a complete Loan Estimate with all pages is received. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received all the pages of initial LE.<br>Buyer Comment (2026-04-10): Please review uploaded LE. | 04/13/2026 |  |  | 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 |
| 225406392 |  | 3158623983 |  | 36252405 |  | 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 only Loan Estimate in file is missing pages [Redacted] and [Redacted]. Accurate testing cannot be completed until a complete Loan Estimate with all pages is received. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received all the pages of initial LE.<br>Buyer Comment (2026-04-10): Please review uploaded LE. | 04/13/2026 |  |  | 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 |
| 225406392 |  | 3158623983 |  | 36252419 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The only Loan Estimate in file is missing pages [Redacted] and [Redacted]. Accurate testing cannot be completed until a complete Loan Estimate with all pages is received. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received all the pages of initial LE.<br>Buyer Comment (2026-04-10): Please review uploaded LE. | 04/13/2026 |  |  | 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 |
| 225406392 |  | 3158623983 |  | 36252420 |  | 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 - Courier / Express Mail / Messenger Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The only Loan Estimate in file is missing pages [Redacted] and [Redacted]. Accurate testing cannot be completed until a complete Loan Estimate with all pages is received. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received all the pages of initial LE.<br>Buyer Comment (2026-04-10): Please review uploaded LE. | 04/13/2026 |  |  | 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 |
| 225406392 |  | 3158623983 |  | 36252421 |  | 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 only Loan Estimate in file is missing pages [Redacted] and [Redacted]. Accurate testing cannot be completed until a complete Loan Estimate with all pages is received. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received all the pages of initial LE.<br>Buyer Comment (2026-04-10): Please review uploaded LE. | 04/13/2026 |  |  | 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 |
| 225406392 |  | 3158623983 |  | 36252422 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The only Loan Estimate in file is missing pages [Redacted] and [Redacted]. Accurate testing cannot be completed until a complete Loan Estimate with all pages is received. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received all the pages of initial LE.<br>Buyer Comment (2026-04-10): Please review uploaded LE. | 04/13/2026 |  |  | 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 |
| 225406392 |  | 3158623983 |  | 36252423 |  | 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 - Closing Protection Letter Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The only Loan Estimate in file is missing pages [Redacted] and [Redacted]. Accurate testing cannot be completed until a complete Loan Estimate with all pages is received. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received all the pages of initial LE.<br>Buyer Comment (2026-04-10): Please review uploaded LE. | 04/13/2026 |  |  | 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 |
| 225406392 |  | 3158623983 |  | 36252424 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The only Loan Estimate in file is missing pages [Redacted] and [Redacted]. Accurate testing cannot be completed until a complete Loan Estimate with all pages is received. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received all the pages of initial LE.<br>Buyer Comment (2026-04-10): Please review uploaded LE. | 04/13/2026 |  |  | 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 |
| 225406392 |  | 3158623983 |  | 36252425 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The only Loan Estimate in file is missing pages [Redacted] and [Redacted]. Accurate testing cannot be completed until a complete Loan Estimate with all pages is received. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received all the pages of initial LE.<br>Buyer Comment (2026-04-10): Please review uploaded LE. | 04/13/2026 |  |  | 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 |
| 225406392 |  | 3158623983 |  | 36252426 |  | 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 Flood Certification (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 only Loan Estimate in file is missing pages [Redacted] and [Redacted]. Accurate testing cannot be completed until a complete Loan Estimate with all pages is received. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received all the pages of initial LE.<br>Buyer Comment (2026-04-10): Please review uploaded LE. | 04/13/2026 |  |  | 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 |
| 225406392 |  | 3158623983 |  | 36252427 |  | 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 only Loan Estimate in file is missing pages [Redacted] and [Redacted]. Accurate testing cannot be completed until a complete Loan Estimate with all pages is received. |  |  |  | Reviewer Comment (2026-04-13): valid COC received<br>Buyer Comment (2026-04-13): Please review uploaded [Redacted] CIC.<br>Reviewer Comment (2026-04-13): [Redacted] received LE, however transfer tax fee increased on final CD dated [Redacted] to $[Redacted] from $[Redacted]. Please provide valid COC for CD dated [Redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-04-10): Please review uploaded LE. | 04/13/2026 |  |  | 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 |
| 225406392 |  | 3158623983 |  | 36261434 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  | Reviewer Comment (2026-04-10): payoff statement received and acceptable<br>Buyer Comment (2026-04-10): Please review [Redacted]. | 04/10/2026 |  |  | 1 B A |  | AL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406392 |  | 3158623983 |  | 36261437 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee clause is missing from the Hazard Insurance document provided. |  |  |  | Reviewer Comment (2026-04-10): HOI coverage and documentation is acceptable<br>Buyer Comment (2026-04-10): Please review [Redacted]. | 04/10/2026 |  |  | 1 C A |  | AL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406395 |  | 3158623993 |  | 36244144 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2026-04-10): HOI coverage is sufficient with the replacement cost coverage statement<br>Buyer Comment (2026-04-10): Do not concur. Per HOI on [Redacted], "Dwell Repl Cost - Similar Construction" indicates sufficient replacement cost coverage. Furthermore, $[Redacted] replacement cost on appraisal includes excludable amounts of $[Redacted] for Pch/[Redacted]/[Redacted] and $$[Redacted] for Garage/Carport. | 04/10/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406395 |  | 3158623993 |  | 36244402 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Payoff statement was missing from the file. |  |  |  | Reviewer Comment (2026-04-10): payoff received and acceptable<br>Buyer Comment (2026-04-10): Please review [Redacted]. | 04/10/2026 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406395 |  | 3158623993 |  | 36244406 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | [Redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. |  |  |  | Reviewer Comment (2026-04-10): state disclosure received<br>Buyer Comment (2026-04-10): Correction...please review [Redacted].<br>Buyer Comment (2026-04-10): Please review [Redacted]. | 04/10/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406395 |  | 3158623993 |  | 36244410 |  | 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 or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |  | 04/06/2026 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406395 |  | 3158623993 |  | 36244411 |  | 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 Extension Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |  | 04/06/2026 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406395 |  | 3158623993 |  | 36244412 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of the Note and Title Commitment the loan was a same lender refinance. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition<br>Buyer Comment (2026-04-10): EV2 accepted. |  |  | 04/10/2026 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406395 |  | 3158623993 |  | 36244576 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | File is missing a VVOE for the borrower dated within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-04-10): VVOE received and acceptable<br>Buyer Comment (2026-04-10): Please review uploaded VOE. | 04/10/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406395 |  | 3158623993 |  | 36244581 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | File is missing a VVOE for the borrower dated within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-04-10): VVOE received and acceptable<br>Buyer Comment (2026-04-10): Please review uploaded VOE. | 04/10/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406395 |  | 3158623993 |  | 36261675 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing a VVOE for the borrower dated within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-04-10): VVOE received and acceptable<br>Buyer Comment (2026-04-10): Please review uploaded VOE. | 04/10/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406395 |  | 3158623993 |  | 36261679 |  | 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 a VVOE for the borrower dated within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-04-10): VVOE received and acceptable<br>Buyer Comment (2026-04-10): Please review uploaded VOE. | 04/10/2026 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406395 |  | 3158623993 |  | 36261680 |  | 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 a VVOE for the borrower dated within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-04-10): VVOE received and acceptable<br>Buyer Comment (2026-04-10): Please review uploaded VOE. | 04/10/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406395 |  | 3158623993 |  | 36261682 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing a VVOE for the borrower dated within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-04-10): VVOE received and acceptable<br>Buyer Comment (2026-04-10): Please review uploaded VOE. | 04/10/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406397 |  | 3158623995 |  | 36247633 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Page 1 of the Hazard Insurance documentation is missing. Coverage cannot be fully assessed until a complete copy of the document is received. |  |  |  | Reviewer Comment (2026-04-10): HOI coverage received and acceptable<br>Buyer Comment (2026-04-10): Please review uploaded HOI. | 04/10/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406397 |  | 3158623995 |  | 36247663 |  | 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. | Page 2 of the Initial Affiliated Business Arrangement Disclosure is missing. Accurate testing cannot be completed until a complete copy of the initial disclosure is provided. |  |  |  | Reviewer Comment (2026-04-10): disclosure received and acceptable<br>Buyer Comment (2026-04-10): Please review [Redacted]. | 04/10/2026 |  |  | 1 B A |  | CA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406400 |  | 3158624001 |  | 36208510 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Title Evidence: ___; <br> State: ___ | Title policy amount not provided on Title Commitment |  |  |  | Reviewer Comment (2026-04-03): complete title commitment received<br>Buyer Comment (2026-04-03): Please review uploaded non-corrupted title commitment with applicable coverage amount in Schedule A, item c. | 04/03/2026 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406401 |  | 3158624002 |  | 36244147 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted] for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2026-04-10): HOI coverage is acceptable with the additional coverages considered<br>Buyer Comment (2026-04-10): Do not concur. $[Redacted] for Appl/Dk/WdStv/Extras should be excluded from $[Redacted] replacement cost. $[Redacted] - $[Redacted] = $[Redacted]. [Redacted]% of $[Redacted] is $[Redacted] which is less than $[Redacted]. Appl/Dk/WdStv/Extras is appliance, deck, wood stove, etc. | 04/10/2026 |  |  | 1 C A |  | UT | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406401 |  | 3158624002 |  | 36250011 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2026-04-10): appraisal delivery documentation received<br>Buyer Comment (2026-04-10): Please review [Redacted]. | 04/10/2026 |  |  | 1 B A |  | UT | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406401 |  | 3158624002 |  | 36250717 |  | 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 Re-Issue Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Undisclosed Debt Monitoring fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-10): valid COC and timing received<br>Buyer Comment (2026-04-10): Do not concur. Please see [Redacted] or [Redacted] for CIC dated [Redacted] for loan program change from [Redacted] to Conventional Jumbo. [Redacted] LE for VA did not have the fee as it is not permitted by VA rules, while the subsequent [Redacted] LE for Conventional had the fee as it would be applicable under the new program. | 04/10/2026 |  |  | 1 C A |  | UT | 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 |
| 225406402 |  | 3158624003 |  | 36208608 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-01): Sufficient Cure Provided At Closing |  | 04/01/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406404 |  | 3158624005 |  | 36249558 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2026-04-10): appraisal receipt received<br>Buyer Comment (2026-04-10): See attached Appraisal receipt. | 04/10/2026 |  |  | 1 B A |  | FL | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406404 |  | 3158624005 |  | 36249560 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-04-07): Sufficient Cure Provided At Closing |  | 04/07/2026 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406404 |  | 3158624005 |  | 36249574 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2026-04-10): AVM received and supports the appraised value<br>Buyer Comment (2026-04-10): See attached [Redacted] Real Estate AVM | 04/10/2026 |  |  | 1 D A |  | FL | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406405 |  | 3158624008 |  | 36249203 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA Verification Document Missing |  |  |  | Reviewer Comment (2026-04-10): REO documentation received<br>Buyer Comment (2026-04-10): Please review [Redacted] - HOA reflects $[Redacted] monthly | 04/10/2026 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406405 |  | 3158624008 |  | 36249287 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. |  |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition<br>Buyer Comment (2026-04-10): EV2 accepted |  |  | 04/10/2026 | 2 B |  | SC | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406408 |  | 3158624012 |  | 36250820 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. |  |  |  | Reviewer Comment (2026-04-10): client accepts EV2 condition<br>Buyer Comment (2026-04-10): EV2 accepted. |  |  | 04/10/2026 | 2 B |  | NV | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406410 |  | 3158624014 |  | 36209683 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for a lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-03): Exception approved with comp factors. |  |  | 04/03/2026 | 2 B |  | MN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406410 |  | 3158624014 |  | 36209684 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-14): PCCD, LOX, refund check, and proof of mailing received<br>Buyer Comment (2026-04-14): Please find attached PCCD, refund check, letter to borrower and proof of delivery<br>Reviewer Comment (2026-04-07): [Redacted] received rebuttal comment that the fee was rounded up from LEs to CD. As per file the recording fee disclosed on LE is $[Redacted] while final CD shows $[Redacted]. If there is any rounding issue please provide evidence of actual fee amount disclosed on LE so that rounding factor can be considered.<br>Buyer Comment (2026-04-06): Fee Tolerance Consideration • Rounding 6.) Fee tolerance considerations in relation to [Redacted]% and [Redacted]% fees that are rounded on initial LEs, the tolerance evaluation will be based on the consideration of the possibility the LE figures disclosed were rounded at time of LE disclosure and only issue an exception if the difference is outside the permissible rounded value considerations of rounding to the nearest dollar. (e.g. the LE discloses a fee for a service the consumer cannot shop for, the credit report. On the LE it reflects a charge of $[Redacted] and the CD reflects $[Redacted]. The fee would not generate an exception. However, in the event the LE reflects [Redacted] and the charge on the CD is [Redacted] this would warrant an exception.) |  | 04/14/2026 |  | 2 C B |  | MN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406410 |  | 3158624014 |  | 36209686 |  | 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 a lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-03): Exception approved with comp factors. |  |  | 04/03/2026 | 2 B |  | MN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406411 |  | 3158624015 |  | 36246683 |  | 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 - ALTA 9-06 Restriction, Encroachments, Minerals. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Title - ALTA 9-06 Restriction, Encroachments, Minerals endorsement fee changed to $[Redacted] .on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-14): valid COC along with LOX from title company received<br>Buyer Comment (2026-04-14): Please see letter of explanation from the Correspondent. | 04/14/2026 |  |  | 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 |
| 225406411 |  | 3158624015 |  | 36261344 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Title - Abstract/Title Search fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-14): valid COC along with LOX from title company received<br>Buyer Comment (2026-04-14): Please see letter of explanation | 04/14/2026 |  |  | 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 |
| 225406411 |  | 3158624015 |  | 36261345 |  | 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]. $[Redacted] over legal limit. 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 (2026-04-14): valid COC along with LOX from title company received<br>Buyer Comment (2026-04-14): Please see letter of explanation | 04/14/2026 |  |  | 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 |
| 225406411 |  | 3158624015 |  | 36261346 |  | 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 - Courier / Express Mail / Messenger Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Title - Courier/Express Mail/Messenger fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-14): valid COC along with LOX from title company received<br>Buyer Comment (2026-04-14): Please see letter of explanation | 04/14/2026 |  |  | 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 |
| 225406411 |  | 3158624015 |  | 36261347 |  | 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 - Wire /Funding/ Disbursement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Title - Wire/Funding/Disbursement fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-14): valid COC along with LOX from title company received<br>Buyer Comment (2026-04-14): Please see letter of explanation | 04/14/2026 |  |  | 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 |
| 225406411 |  | 3158624015 |  | 36261348 |  | 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 - Municipal Lien Certificate Fee (MLC). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Title - Municipal Lien Certificate fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-14): valid COC along with LOX from title company received<br>Buyer Comment (2026-04-14): Please see letter of explanation | 04/14/2026 |  |  | 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 |
| 225406412 |  | 3158624017 |  | 36252678 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence delivery of the appraisal to the borrower at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-04-10): appraisal receipt received<br>Buyer Comment (2026-04-10): See attached Appraisal receipt | 04/10/2026 |  |  | 1 B A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406412 |  | 3158624017 |  | 36252733 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Disclosed Amount Financed is $[Redacted]. Due Diligence Amount Financed is $[Redacted]. There is a variance of $[Redacted]. |  |  |  | Reviewer Comment (2026-04-14): [Redacted] comment indicating mobile notary fee was not required by lender and was requested by borrower.<br>Buyer Comment (2026-04-13): also refer to Closing Statement page 737 / D0420 further confirms not title related.<br>Buyer Comment (2026-04-13): Please re-review: All fees and associated fees in Category H that are not proceeded with Title indicate borrower-selected fees (not required by the Lender or Title).<br>Reviewer Comment (2026-04-13): The notary fee for notary services is excludable under 1026.4(c)(7), however, travel fees are not excludable. While the fee was disclosed in section H, please provide documentation that the notary mobile fee charge in section H, was not related to notarization actions required for the security instrument or other actions required to close transaction.<br>Buyer Comment (2026-04-10): Please review - The Mobile Notary is a borrower-requested fee that is not processed by title; therefore, it is not subject to the Amount Finance fail and the fee is a non prepaid fee. | 04/14/2026 |  |  | 1 C A |  | FL | Second Home | 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 |
| 225406412 |  | 3158624017 |  | 36252734 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated[Redacted]). | Disclosed Finance Charge is $[Redacted]. Due Diligence Finance Charge is $[Redacted]. There is a variance of -$[Redacted]. |  |  |  | Reviewer Comment (2026-04-14): [Redacted] comment indicating mobile notary fee was not required by lender and was requested by borrower.<br>Buyer Comment (2026-04-13): also refer to Closing Statement page 737 / D0420 further confirms not title related.<br>Buyer Comment (2026-04-13): Please re-review: All fees and associated fees in Category H that are not proceeded with Title indicate borrower-selected fees (not required by the Lender or Title).<br>Reviewer Comment (2026-04-13): The notary fee for notary services is excludable under 1026.4(c)(7), however, travel fees are not excludable. While the fee was disclosed in section H, please provide documentation that the notary mobile fee charge in section H, was not related to notarization actions required for the security instrument or other actions required to close transaction.<br>Buyer Comment (2026-04-10): Please review: Mobile Notary is a borrower-requested fee that is not processed by title; therefore, it is not subject to the Finance Charge fail and the fee is a non prepaid fee. | 04/14/2026 |  |  | 1 C A |  | FL | Second Home | 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 |
| 225406412 |  | 3158624017 |  | 36252741 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | $[Redacted] Mobile Notary Fee added on the CD (Section H) dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-14): [Redacted] comment indicating mobile notary fee was not required by lender and was requested by borrower.<br>Reviewer Comment (2026-04-14): SitusAMC received rebuttal comment that Notary is borrower shopped and not processed by title. However, please provide an attestation confirming this is not lender required and borrower shopped the fee by his own provider. This attestation would allow us to test the fee under correct tolerance category.<br>Buyer Comment (2026-04-10): Please review: The Mobile Notary is a borrower-requested fee that is not processed by title; therefore, it is not subject to the 10% tolerance. | 04/14/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406412 |  | 3158624017 |  | 36252771 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are overdisclosed. | There are no non-escrowed property costs associated with subject property. |  |  |  |  |  |  |  | 3 C |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406413 |  | 3158624018 |  | 36249826 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2026-04-10): e-consent statement received and acceptable<br>Buyer Comment (2026-04-10): Do Not Concur - please review initial 1003 page 254/D1096 - item (4) specifically states "I consent to the use of electronic records and electronic signature" - signed by borrower [Redaction] | 04/10/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406413 |  | 3158624018 |  | 36249835 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 is missing in file. |  |  |  | Reviewer Comment (2026-04-13): final 1003 received<br>Buyer Comment (2026-04-13): Please see attached Final 1003 | 04/13/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406413 |  | 3158624018 |  | 36249866 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Page 1 of the document in file is missing. |  |  |  | Reviewer Comment (2026-04-10): IEADs received<br>Buyer Comment (2026-04-10): See attached IEADS with all pages | 04/10/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406413 |  | 3158624018 |  | 36249867 |  | 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. | Document is missing in file. |  |  |  | Reviewer Comment (2026-04-10): disclosure received<br>Buyer Comment (2026-04-10): Do Not Concur - document located page 629/D0962 | 04/10/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406413 |  | 3158624018 |  | 36249868 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Loan Estimate 5 Year Paid Off | TILA-RESPA Integrated Disclosure - Comparisons: Loan Estimate provided on[Redaction] did not disclose the total principal paid off in 5 years. | The LE in file dated [Redaction] is missing pages 2 and 3. Accurate testing cannot be completed until a full copy of the LE is provided. |  |  |  | Reviewer Comment (2026-04-13): all pages of LE received<br>Buyer Comment (2026-04-10): see all pages of the attached LE dated [Redaction] | 04/13/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | Can Only Cure by Final LE, not on CD Once the initial CD is issued this cannot be cured B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406413 |  | 3158624018 |  | 36249869 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Loan Estimate 5 Year Payments | TILA-RESPA Integrated Disclosure - Comparisons: Loan Estimate provided on [Redaction] did not disclose the total principal paid off in 5 years. | The LE in file dated [Redaction] is missing pages 2 and 3. Accurate testing cannot be completed until a full copy of the LE is provided. |  |  |  | Reviewer Comment (2026-04-13): all pages of LE received<br>Buyer Comment (2026-04-10): See attached LE | 04/13/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | Can Only Cure by Final LE, not on CD Once the initial CD is issued this cannot be cured B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406413 |  | 3158624018 |  | 36249870 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[Redaction] not received by borrower at least four (4) business days prior to closing. | The LE in file dated [Redaction] is missing pages 2 and 3. Accurate testing cannot be completed until a full copy of the LE is provided. |  |  |  | Reviewer Comment (2026-04-13): [Redaction] received updated [Redaction] LE with proof of receipt for the LE received 4 business days prior to the consummation.<br>Buyer Comment (2026-04-10): See attached LE | 04/13/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406413 |  | 3158624018 |  | 36249871 |  | 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 $[Redaction] exceeds tolerance of $[Redaction]. $[Redaction] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to $[Redaction] on the CD dated [Redaction]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-16): PCCD, LOX, refund check, and proof of delivery received for tolerance cure<br>Buyer Comment (2026-04-16): Please see attached LOE, PCCD, copy of check and shipping label. |  | 04/16/2026 |  | 2 C B |  | CA | 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 |
| 225406413 |  | 3158624018 |  | 36249872 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Document is missing in file. |  |  |  | Reviewer Comment (2026-04-10): RTC document received<br>Buyer Comment (2026-04-10): Do Not Concur - please review page 764/D0744 | 04/10/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406414 |  | 3158624019 |  | 36221201 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | .The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2026-04-07): RCE information in file is acceptable, HOI coverage is sufficient<br>Buyer Comment (2026-04-07): Please see D0273 along with D0533 and D0361 which includes the Declaration page/RCE. | 04/07/2026 |  |  | 1 C A |  | CA | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406414 |  | 3158624019 |  | 36221246 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2026-04-07): appraisal acknowledgement form received<br>Buyer Comment (2026-04-07): Please see page 1487 / D0385 for appraisal ack. | 04/07/2026 |  |  | 1 B A |  | CA | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406414 |  | 3158624019 |  | 36221247 |  | 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 (2026-04-15): PCCD, LOX, and refund check received for this cure<br>Buyer Comment (2026-04-15): Please see attached LOE to borrower<br>Reviewer Comment (2026-04-15): [Redacted] received corrected PCCD but missing LOE to borrower.<br>Buyer Comment (2026-04-14): Please see attached Final Settlement Stmt, PCCD, check, Grant Deed and Deed of Trust<br>Reviewer Comment (2026-04-09): [Redacted] received rebuttal comment and the COC dated [Redacted] referred to does not have the valid reason for increase in fee. Receipt of escrow statement/invoice is not a valid reason. An increase requires a change in circumstance that the lender did not or could not have known at the time of disclosure. TRID Grid 4.0, Appendix, Additional Considerations, Row 14 indicates: To illustrate, see examples of sufficient vs. insufficient COC reasons: Recording Fee - Insufficient - Received invoice reflecting a higher amount- Sufficient - Recording fee increased by $[Redacted] due to addition of a POA requested by borrower on [date]; or County recorder's office increased its fees after initial disclosure. Cure is required.<br>Buyer Comment (2026-04-07): Please review CIC on page 231 / D0321 for increase in recording fee. |  | 04/15/2026 |  | 2 C B |  | CA | 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 |
| 225406417 |  | 3158624025 |  | 36221890 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of the Note and Title Commitment, the transaction was a same lender refinance. |  |  |  | Reviewer Comment (2026-04-03): client accepts EV2 condition.<br>Buyer Comment (2026-04-03): EV2 accepted |  |  | 04/03/2026 | 2 B |  | LA | 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 |
| 225406419 |  | 3158624028 |  | 36220904 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements |  |  |  | Reviewer Comment (2026-04-06): LCA score is acceptable<br>Buyer Comment (2026-04-06): Do not concur. Pleas review document id [Redacted] page [Redacted].UCDP Relief Eligible | 04/06/2026 |  |  | 1 D A |  | NC | Primary | Refinance - Limited Cash-out GSE | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406420 |  | 3158624029 |  | 36247160 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | Appraisal showing Agriculture property which is ineligible as per the seller guideline. |  |  |  | Reviewer Comment (2026-04-10): property meets client guideline requirements<br>Buyer Comment (2026-04-10): Do not concur. The Appraisal is Residential and Agricultural this is acceptable. The Zoning Compliance is Legal, The property is residential in nature.<br> Residential use is permissible under the zoning classification.<br> The property's use does not primarily involve commercial activities such as farming or ranching.<br> Describes the area as rural agricultural / low-density residential on larger lots, which is consistent with residential properties being allowed there. | 04/10/2026 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406422 |  | 3158624031 |  | 36216716 |  | 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. | Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change and no evidence of tolerance cure in file. |  |  |  | Reviewer Comment (2026-04-07): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-04-06): Do not concur. The cure is listed on the Final Closing Disclosure Category J. $[Redacted] Closing Cost above legal limit for the Transfer Tax. document id [Redacted] page [Redacted]. Please cancel exception. <br>The Compliance Report document Id [Redacted] page [Redacted] confirms the Loan Estimate \*\*Transfer Tax fee value with cents $[Redacted]\*\* (the actual Loan Estimate disclosure does not include cents only whole dollars), the Final CD charged $[Redacted] therefore the cure in Category J. is sufficient. | 04/07/2026 |  |  | 1 C A |  | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406422 |  | 3158624031 |  | 36247464 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-07): Sufficient Cure Provided At Closing |  | 04/07/2026 |  | 1 A |  | MD | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406426 |  | 3158624047 |  | 36231165 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Discount Points fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-08): valid COC in file and acceptable<br>Buyer Comment (2026-04-07): Do not concur. Please review document id #[Redacted] page [Redacted] . Lock Confirmation-loan locked [Redacted]. | 04/08/2026 |  |  | 1 C A |  | SC | 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 |
| 225406427 |  | 3158624050 |  | 36232522 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2026-04-07): e-consent form received<br>Buyer Comment (2026-04-07): Do not concur. Please review document id [Redacted] page [Redacted] and [Redacted]. The borrowers E-consented by email. I attest the email address redacted are the same borrower email addresses listed on their 1003 application. | 04/07/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406427 |  | 3158624050 |  | 36232540 |  | 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 report dated [Redacted] was received [Redacted] with Note date of [Redacted]. |  |  |  | Reviewer Comment (2026-04-07): appraisal delivery received<br>Buyer Comment (2026-04-07): Do not concur. Please review Appraisal report delivery doc ID #[Redacted] page [Redacted]. Delivered on [Redacted], Appraisal report effective date [Redacted] this is acceptable confirmation borrower received Appraisal. | 04/07/2026 |  |  | 1 B A |  | TX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406427 |  | 3158624050 |  | 36239274 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2026-04-07): appraisal delivery in file<br>Buyer Comment (2026-04-07): Do not concur. Appraisal report delivery confirmation [Redacted] doc id #[Redacted]page [Redacted].<br> Appraisal report effective date [Redacted]. | 04/07/2026 |  |  | 1 B A |  | TX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406428 |  | 3158624052 |  | 36232748 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence updated appraisal was provided to the borrower. |  |  |  | Reviewer Comment (2026-04-10): appraisal ack received<br>Buyer Comment (2026-04-10): Do not concur. Please review Appraisal confirmation doc id#[Redacted] page [Redacted]. | 04/10/2026 |  |  | 1 B A |  | TX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406428 |  | 3158624052 |  | 36232753 |  | 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 (2026-04-10): disclosure received and acceptable<br>Buyer Comment (2026-04-10): Do not concur. Please review document id #[Redacted] page [Redacted] Homeownership Counseling . | 04/10/2026 |  |  | 1 B A |  | TX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406428 |  | 3158624052 |  | 36249771 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-04-10): appraisal ack received<br>Buyer Comment (2026-04-10): Do not concur. Please review Appraisal Independence Acknowledgment confirmation.doc id #[Redacted] page [Redacted]. | 04/10/2026 |  |  | 1 B A |  | TX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406428 |  | 3158624052 |  | 36249810 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-07): Sufficient Cure Provided At Closing |  | 04/07/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406428 |  | 3158624052 |  | 36249811 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-07): Sufficient Cure Provided At Closing |  | 04/07/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406429 |  | 3158624053 |  | 36217066 |  | 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. | The earliest dated LE in file is dated [Redacted] which is more than 3 business days after the application date of [Redacted]. |  |  |  | Reviewer Comment (2026-04-07): disclosure timing is acceptable<br>Buyer Comment (2026-04-07): Please escalate to management. The initial application document ID #[Redacted] with \*\*same loan id\*\* confirms borrower application at the time was for property address [Redacted].The change in circumstance form document id [Redacted] confirms loan level change redisclosure - resend initial disclosures, the address changed. The Mortgage Rate Lock Disclosure document id [Redacted] shows initial property address loan in floating/unlock status.<br>Re-review the EConsent by borrower document ID [Redacted] page [Redacted], Event Esign borrower, Processed Date [Redacted], event date [Redacted] by borrower with email address confirmed. the year is confirmed by borrower [Redacted].<br>Reviewer Comment (2026-04-07): [Redacted] reviewed the e-sign confirmation, which indicates the initial disclosures were sent via [Redacted] on [Redacted] rather than [Redacted]. Additionally, the LE dated [Redacted] ([Redacted]) in the loan file reflects a different property address. The updated LE should have been issued within three business days of the broker application date of [Redacted].<br>Buyer Comment (2026-04-06): Do not concur. Please review doc id [Redacted] page [Redacted]. Esign confirmation. | 04/07/2026 |  |  | 1 C A |  | KY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406430 |  | 3158624055 |  | 36238650 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |  | 04/06/2026 |  | 1 A |  | UT | Second Home | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406430 |  | 3158624055 |  | 36245940 |  | 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 (2026-04-06): Sufficient Cure Provided At Closing |  | 04/06/2026 |  | 1 A |  | UT | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406430 |  | 3158624055 |  | 36245941 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |  | 04/06/2026 |  | 1 A |  | UT | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406432 |  | 3158624060 |  | 36235895 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-04-07): appraisal delivery confirmation received<br>Buyer Comment (2026-04-07): Do not concur. Please review document id#[Redacted] page [Redacted], doc id #[Redacted] page [Redacted]. Appraisal confirmation delivery.<br> I attest the redacted borrower email addresses are the same email address as shown on the 1003 application. | 04/07/2026 |  |  | 1 B A |  | TN | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406433 |  | 3158624061 |  | 36233099 |  | 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 Closin |  |  |  | Reviewer Comment (2026-04-03): Sufficient Cure Provided At Closing |  | 04/03/2026 |  | 1 A |  | CO | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406433 |  | 3158624061 |  | 36240665 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception of vesting collateral in an LLC Exception approved, with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The 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. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-08): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 04/08/2026 | 2 C B |  | CO | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406434 |  | 3158624063 |  | 36222657 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Escalation Form in file for lender exception 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]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-06): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 04/06/2026 | 2 B |  | NY | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406436 |  | 3158624065 |  | 36248161 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-04-10): Do Not Concur. Discount points increased to $[Redacted] with a change in product and pricing change on [Redacted], this disclosed timely on [Redacted] and the points decreased prior to closing. | 04/13/2026 |  |  | 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 |
| 225406436 |  | 3158624065 |  | 36248163 |  | 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. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-13): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-04-10): Do Not Concur. The Appraisal update fee for $[Redacted] was cured at closing. | 04/13/2026 |  |  | 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 |
| 225406436 |  | 3158624065 |  | 36248164 |  | 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 Flood Certification (Initial Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Flood Certification (Initial Fee). was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-13): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-04-10): Do Not Concur. The Flood Determination fee for $[Redacted] was cured at closing. | 04/13/2026 |  |  | 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 |
| 225406436 |  | 3158624065 |  | 36248166 |  | 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 Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Flood Certification (Life of loan Fee). was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-04-13): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-04-10): Do Not Concur. The Flood Life of Loan fee for $[Redacted] was cured at closing. | 04/13/2026 |  |  | 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 |
| 225406436 |  | 3158624065 |  | 36261987 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception of PAG decline. 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>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 | Reviewer Comment (2026-04-09): Exception approved with comp factors. |  |  | 04/09/2026 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406436 |  | 3158624065 |  | 36272687 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-13): Sufficient Cure Provided At Closing |  | 04/13/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406436 |  | 3158624065 |  | 36272688 |  | 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 Flood Certification (Initial Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-13): Sufficient Cure Provided At Closing |  | 04/13/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406436 |  | 3158624065 |  | 36272689 |  | 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 Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-13): Sufficient Cure Provided At Closing |  | 04/13/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406438 |  | 3158624067 |  | 36222243 |  | 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. | List of Homeownership Counseling Organizations document is missing in the file |  |  |  | Reviewer Comment (2026-04-06): disclosure sent to borrower in initial package<br>Buyer Comment (2026-04-06): Please see attached HCO that was sent in the application package | 04/06/2026 |  |  | 1 B A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406438 |  | 3158624067 |  | 36222291 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-14): Premium Pricing or positive points on CD before initial loan lock, which is acceptable.<br>Reviewer Comment (2026-04-13): [Redacted] received COC dated [Redacted], however there is no CD provided within 3 days of change dated [Redacted]. Please provide if any CD was sent within 3 days of change or cure is required.<br>Buyer Comment (2026-04-10): Do not Concur. Premium pricing and loan points can float until the initial loan lock occurs. The initial loan lock did not occur until [Redacted]. The loan locked without premium pricing or positive discount points and closed with the same. No cure due back<br>Reviewer Comment (2026-04-10): [Redacted] received system snip lieu of COC with additional information, however in case when loan amount change the lender credit change should be proportionate to the loan amount change, and if change is not proportionate there should be additional information that explains change in borrower eligibility change such as did not qualify for current product, or DTI increased or FICO score decreased. Though an LTV may change, the information did not state that there was a pricing/product/program change. Moreover, the lender paid fees are subsequently changed to borrower paid on [Redacted] CD. the lender paid credit of $[Redacted] changed to borrower paid, then the creditor has a zero-tolerance standard violation because, the lender credit was removed (Comment 19(e)(3)(i)-5). Cure would be required. Lender credit is separate fee and is tested separately. No valid changed circumstance provided for reduction in lender credit. Cure with Corrected CD, LOE to borrower, copy of cure refund for $[Redacted]and proof of mailing.<br>Buyer Comment (2026-04-08): Do not Concur. Valid CIC for loan amount change [Redacted]. CDv2 disclosed timely<br>Reviewer Comment (2026-04-08): [Redacted] lender credit to borrower was removed from the CD dated [Redacted]. Although a COC dated [Redacted] reflects a rate lock, the file does not contain a revised CD issued within three (3) days of the [Redacted] lock date. A revised CD issued within three days of the lock is required to re-baseline the lender credit; otherwise, a cure is due consisting of a PCCD, Letter of Explanation, refund check, and proof of mailing.<br>Buyer Comment (2026-04-07): Do not Concur. An initial Lock in CD land does not have to be disclosed when tolerance fees decreased. Loan points can float up until the loan locks. The valid CIC already sent.<br>Reviewer Comment (2026-04-07): [Redacted] received changed circumstance dated [Redacted], but a corresponding CD was not provided. Please provide CD for further analysis.<br>Buyer Comment (2026-04-06): Do not Concur. Initial Loan lock did not happen until [Redacted]. Premium pricing can float until that happens. No cure required back | 04/14/2026 |  |  | 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 |
| 225406438 |  | 3158624067 |  | 36222425 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA document is missing in the loan file. |  |  |  | Reviewer Comment (2026-04-08): HOA documentation received<br>Buyer Comment (2026-04-08): Hoa document | 04/08/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406439 |  | 3158624071 |  | 36230534 |  | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received valid COC document<br>Buyer Comment (2026-04-10): Do not Concur. Appraisal was expiring and a recert was completed. Valid CIC [Redacted]. CDv8 disclosed same day | 04/13/2026 |  |  | 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 |
| 225406439 |  | 3158624071 |  | 36238012 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received valid COC document<br>Buyer Comment (2026-04-10): Do not Concur. Lock expiration and CIC for loan points [Redacted]. CDv8 disclosed timely | 04/13/2026 |  |  | 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 |
| 225406439 |  | 3158624071 |  | 36263905 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception for PAG decline . 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 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].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-09): Exception approved with comp factors. |  |  | 04/09/2026 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406440 |  | 3158624072 |  | 36258478 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-04-08): Sufficient Cure Provided At Closing |  | 04/08/2026 |  | 1 A |  | NY | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406441 |  | 3158624073 |  | 36231776 |  | 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 $[Redaction] exceeds tolerance of $[Redaction]. $[Redaction] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redaction] on the CD dated [Redaction]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-14): valid COC and timing for discount points fee change<br>Buyer Comment (2026-04-14): Concur that the final inspection fee needs cured. Can't request a PCCD until the loan point exception is cleared by AMC.<br>Buyer Comment (2026-04-14): Do not Concur. I have given the CICs requested by [Redaction]. Now [Redaction] is requesting another CIC for a date that is not accurate. There is not a Closing disclosure dated [Redaction]. Invalid exception<br>Reviewer Comment (2026-04-13): [Redaction] Received COC dated [Redaction]; however, discount point fee also increased on CD dated [Redaction] without valid COC. In order to re-baseline fee, provide Valid COC dated [Redaction] or Cure Docs. Cure Consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2026-04-09): Do not Concur. Valid CICs for Interest rate and loan points [Redaction]. LEv6 disclosed timely<br>Reviewer Comment (2026-04-09): [Redaction] received system snip with valid reason for the discount point fee changed. However, in order to re-baseline this exception [Redaction] also required valid COC for the fee increase of $[Redaction] from $[Redaction] on CD dated [Redaction].<br>Buyer Comment (2026-04-07): Do not Concur. Lock extension and valid CICs for loan points and appraised value [Redaction]. CDv3 disclosed timely next day | 04/14/2026 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406441 |  | 3158624073 |  | 36231777 |  | 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 $[Redaction] exceeds tolerance of $[Redaction]. $[Redaction] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redaction] on the CD dated [Redaction]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-16): PCCD, LOX, refund check, and proof of delivery received for fee tolerance cure<br>Buyer Comment (2026-04-16): Do not concur. Refund check is on page 3<br>Reviewer Comment (2026-04-16): Received the PCCD, LOX, and proof of mailing, but missing a copy of the refund check.<br>Buyer Comment (2026-04-16): Please see attached PCCD package<br>Reviewer Comment (2026-04-15): [Redaction] received COC dated [Redaction], but it does not give information on why the appraisal re-inspection fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check.<br>Buyer Comment (2026-04-14): Please see attached details regarding why the appraisal re-inspection was required on 1.7. and disclosed timely same day on LEv6 |  | 04/16/2026 |  | 2 C B |  | TX | 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 |
| 225406441 |  | 3158624073 |  | 36231792 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Secondary appraisal(s) does not support the value used to qualify. The lower value was not checked "Use for LTV". Correct data entry or set exception. Sec ID: 3 | Note Date: ___; Lien Position: ___ | Appraisal with value of $[Redaction] used by the lender. 2nd appraisal and desk review in file with values of $[Redaction]. Need a desk review supporting the appraisal with $[Redaction]. |  |  |  | Reviewer Comment (2026-04-09): CDA with value supporting the $[Redaction] valuation has been received<br>Buyer Comment (2026-04-09): Please see attached CDA with appraised value of $[Redaction] | 04/09/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406443 |  | 3158624075 |  | 36230894 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-08): valid COC received and acceptable<br>Buyer Comment (2026-04-07): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. CDv2 disclosed timely | 04/08/2026 |  |  | 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 |
| 225406443 |  | 3158624075 |  | 36230895 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney 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 Attorney 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 (2026-04-08): Attorney fee was included on initial LE<br>Buyer Comment (2026-04-07): Do not Concur. The attorney fee was disclosed upfront on the initial LE as $[Redacted]. Invalid Exception | 04/08/2026 |  |  | 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 |
| 225406445 |  | 3158624081 |  | 36250274 |  | 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] and no extended coverage, for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2026-04-10): coverage is [Redacted]% replacement cost and acceptable<br>Buyer Comment (2026-04-10): Loan is a refinance-screenshot in ebinder reflects full replacement as Yes- pg [Redacted] [Redacted] | 04/10/2026 |  |  | 1 C A |  | NC | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225406445 |  | 3158624081 |  | 36250321 |  | 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 LE but disclosed as $[Redacted] in Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-04-10): valid COC received and delivered timely<br>Buyer Comment (2026-04-10): Do not Concur. Valid CIC and complexity comments attached [Redacted]. LEv5 disclosed timely same day | 04/10/2026 |  |  | 1 C A |  | NC | 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 |
| 225406447 |  | 3158624086 |  | 36232504 |  | 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. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-04-13): [Redacted] received LOX for rebuttal response with system snip and additional information for a valid Changed circumstance.<br>Buyer Comment (2026-04-10): Do not Concur. Appraisal expired and a recert was completed [Redacted]. CDv4 disclosed timely same day | 04/13/2026 |  |  | 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 |
| 225406447 |  | 3158624086 |  | 36261948 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exceptions of PAG Declines. 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 representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-09): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 04/09/2026 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

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## Exhibit 99.10

**Exhibit 99.10**

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|:---|
| ![](situsamc_logo.jpg) |
| **Valuation Report** |
| **Run Date - 4/22/2026 9:57:23 AM** |

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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** |
| 225406202 |  | 3158623669 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 225406203 |  | 3158623670 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.80 |
| 225406204 |  | 3158623673 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| 225406205 |  | 3158623674 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.10 |
| 225406206 |  | 3158623677 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225406207 |  | 3158623679 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.30 |
| 225406208 |  | 3158623683 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225406209 |  | 3158623684 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.210% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406210 |  | 3158623687 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| 225406211 |  | 3158623688 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225406212 |  | 3158623689 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 225406213 |  | 3158623690 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225406214 |  | 3158623693 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225406215 |  | 3158623696 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225406216 |  | 3158623697 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.470% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| 225406217 |  | 3158623698 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.40 |
| 225406218 |  | 3158623700 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406219 |  | 3158623703 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| 225406220 |  | 3158623708 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.30 |
| 225406221 |  | 3158623709 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225406222 |  | 3158623710 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 225406223 |  | 3158623711 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| 225406224 |  | 3158623712 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.70 |
| 225406225 |  | 3158623714 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225406226 |  | 3158623715 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| 225406227 |  | 3158623720 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406228 |  | 3158623723 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406229 |  | 3158623724 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.050% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.40 |
| 225406230 |  | 3158623725 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406231 |  | 3158623726 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.30 |
| 225406232 |  | 3158623728 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225406233 |  | 3158623729 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.20 |
| 225406234 |  | 3158623733 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 225406235 |  | 3158623736 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.50 |
| 225406236 |  | 3158623737 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| 225406237 |  | 3158623738 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.20 |
| 225406238 |  | 3158623739 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.00 |
| 225406239 |  | 3158623740 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 225406240 |  | 3158623741 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225406241 |  | 3158623742 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.970% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| 225406242 |  | 3158623743 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| 225406243 |  | 3158623744 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
| 225406244 |  | 3158623746 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.70 |
| 225406245 |  | 3158623751 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225406246 |  | 3158623752 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.20 |
| 225406247 |  | 3158623753 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.330% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 5.00 |
| 225406248 |  | 3158623754 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.10 |
| 225406249 |  | 3158623755 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| 225406250 |  | 3158623761 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225406251 |  | 3158623763 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225406252 |  | 3158623764 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 |
| 225406253 |  | 3158623765 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406254 |  | 3158623766 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406255 |  | 3158623768 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 225406256 |  | 3158623770 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.750% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.80 |
| 225406257 |  | 3158623771 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 225406258 |  | 3158623772 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.470% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.60 |
| 225406259 |  | 3158623773 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 225406260 |  | 3158623774 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.30 |
| 225406261 |  | 3158623776 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225406262 |  | 3158623778 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.700% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.50 |
| 225406263 |  | 3158623783 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.10 |
| 225406264 |  | 3158623784 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.20 |
| 225406265 |  | 3158623785 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.10 |
| 225406266 |  | 3158623786 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 225406267 |  | 3158623788 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 225406268 |  | 3158623789 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225406269 |  | 3158623790 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.50 |
| 225406270 |  | 3158623791 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| 225406271 |  | 3158623792 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406272 |  | 3158623793 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.80 |
| 225406273 |  | 3158623794 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.80 |
| 225406274 |  | 3158623796 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.60 |
| 225406275 |  | 3158623797 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| 225406276 |  | 3158623799 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406277 |  | 3158623800 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.40 |
| 225406278 |  | 3158623801 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.40 |
| 225406279 |  | 3158623802 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.80 |
| 225406280 |  | 3158623803 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225406281 |  | 3158623805 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.730% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.00 |
| 225406282 |  | 3158623806 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 225406283 |  | 3158623810 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.190% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 225406284 |  | 3158623811 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.550% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.60 |
| 225406285 |  | 3158623813 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| 225406286 |  | 3158623815 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.410% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 225406287 |  | 3158623817 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| 225406288 |  | 3158623818 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 |
| 225406289 |  | 3158623819 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225406290 |  | 3158623820 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| 225406291 |  | 3158623822 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| 225406292 |  | 3158623823 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.20 |
| 225406293 |  | 3158623824 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.90 |
| 225406294 |  | 3158623825 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.20 |
| 225406295 |  | 3158623826 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225406296 |  | 3158623827 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.240% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406297 |  | 3158623828 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.20 |
| 225406298 |  | 3158623830 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 225406299 |  | 3158623831 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
| 225406300 |  | 3158623832 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 225406301 |  | 3158623833 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.80 |
| 225406302 |  | 3158623834 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| 225406303 |  | 3158623835 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225406304 |  | 3158623836 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225406305 |  | 3158623837 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225406306 |  | 3158623838 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 225406307 |  | 3158623840 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406308 |  | 3158623842 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| 225406309 |  | 3158623843 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406310 |  | 3158623844 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406311 |  | 3158623846 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| 225406312 |  | 3158623847 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 225406313 |  | 3158623848 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406314 |  | 3158623851 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406315 |  | 3158623852 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406316 |  | 3158623855 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.230% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406317 |  | 3158623856 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| 225406318 |  | 3158623857 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.950% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 225406319 |  | 3158623859 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406320 |  | 3158623860 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| 225406321 |  | 3158623862 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225406322 |  | 3158623864 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 225406323 |  | 3158623866 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.640% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 225406324 |  | 3158623867 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.570% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.20 |
| 225406325 |  | 3158623868 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406326 |  | 3158623871 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.90 |
| 225406327 |  | 3158623873 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| 225406328 |  | 3158623875 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225406329 |  | 3158623876 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 225406330 |  | 3158623877 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406331 |  | 3158623878 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 |
| 225406332 |  | 3158623879 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.90 |
| 225406333 |  | 3158623881 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.880% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406334 |  | 3158623882 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 225406335 |  | 3158623883 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.080% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.70 |
| 225406336 |  | 3158623884 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 225406337 |  | 3158623886 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.090% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 225406338 |  | 3158623888 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406339 |  | 3158623890 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225406340 |  | 3158623891 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225406341 |  | 3158623892 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.20 |
| 225406342 |  | 3158623893 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.90 |
| 225406343 |  | 3158623894 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.30 |
| 225406344 |  | 3158623895 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 225406345 |  | 3158623896 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 225406346 |  | 3158623897 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 225406347 |  | 3158623898 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406348 |  | 3158623902 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.60 |
| 225406349 |  | 3158623903 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 |
| 225406350 |  | 3158623904 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.50 |
| 225406351 |  | 3158623905 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.610% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.20 |
| 225406352 |  | 3158623907 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.20 |
| 225406353 |  | 3158623912 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.510% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406354 |  | 3158623914 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.680% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 |
| 225406355 |  | 3158623916 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.970% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.90 |
| 225406356 |  | 3158623918 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.550% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406357 |  | 3158623923 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225406358 |  | 3158623924 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| 225406359 |  | 3158623925 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.420% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 |
| 225406360 |  | 3158623926 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406361 |  | 3158623927 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 225406362 |  | 3158623929 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.670% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.00 |
| 225406363 |  | 3158623930 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.010% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.70 |
| 225406364 |  | 3158623932 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406365 |  | 3158623934 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -18.160% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406366 |  | 3158623935 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.20 |
| 225406367 |  | 3158623938 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406368 |  | 3158623939 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.030% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406369 |  | 3158623944 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.40 |
| 225406370 |  | 3158623945 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.540% |  |  | AVM |  | 0.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 225406371 |  | 3158623947 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| 225406372 |  | 3158623948 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 225406373 |  | 3158623949 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406374 |  | 3158623951 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 225406375 |  | 3158623952 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.10 |
| 225406376 |  | 3158623953 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -77.060% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.80 |
| 225406377 |  | 3158623957 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225406378 |  | 3158623960 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.790% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 225406379 |  | 3158623961 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406380 |  | 3158623963 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.20 |
| 225406381 |  | 3158623966 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.710% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.20 |
| 225406382 |  | 3158623968 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225406383 |  | 3158623971 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225406384 |  | 3158623973 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.20 |
| 225406385 |  | 3158623974 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.00 |
| 225406386 |  | 3158623975 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 |
| 225406387 |  | 3158623976 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.620% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406388 |  | 3158623977 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 225406389 |  | 3158623978 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.30 |
| 225406390 |  | 3158623979 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.40 |
| 225406391 |  | 3158623981 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| 225406392 |  | 3158623983 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.00 |
| 225406393 |  | 3158623988 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.420% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225406394 |  | 3158623990 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| 225406395 |  | 3158623993 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.430% |  |  | Appraisal |  |  |  |  |  | -27.130% |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -27.130% |  |  |  |  |  |  |  |  | No | 4.50 | 3.30 |
| 225406396 |  | 3158623994 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
| 225406397 |  | 3158623995 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.90 |
| 225406398 |  | 3158623999 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406399 |  | 3158624000 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225406400 |  | 3158624001 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 225406401 |  | 3158624002 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| 225406402 |  | 3158624003 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| 225406403 |  | 3158624004 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 12.830% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 |
| 225406404 |  | 3158624005 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.960% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.80 |
| 225406405 |  | 3158624008 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 225406406 |  | 3158624009 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 225406407 |  | 3158624011 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.70 |
| 225406408 |  | 3158624012 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.070% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.070% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| 225406409 |  | 3158624013 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 225406410 |  | 3158624014 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.00 |
| 225406411 |  | 3158624015 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.60 |
| 225406412 |  | 3158624017 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225406413 |  | 3158624018 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.20 |
| 225406414 |  | 3158624019 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 225406415 |  | 3158624022 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.90 |
| 225406416 |  | 3158624023 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 225406417 |  | 3158624025 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 225406418 |  | 3158624026 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 225406419 |  | 3158624028 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.80 |
| 225406420 |  | 3158624029 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.70 |
| 225406421 |  | 3158624030 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.50 |
| 225406422 |  | 3158624031 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225406423 |  | 3158624037 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 225406424 |  | 3158624038 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225406425 |  | 3158624042 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 225406426 |  | 3158624047 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225406427 |  | 3158624050 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.40 |
| 225406428 |  | 3158624052 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| 225406429 |  | 3158624053 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225406430 |  | 3158624055 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 225406431 |  | 3158624057 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 225406432 |  | 3158624060 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 225406433 |  | 3158624061 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 999.00 |
| 225406434 |  | 3158624063 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225406435 |  | 3158624064 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.80 |
| 225406436 |  | 3158624065 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406437 |  | 3158624066 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 225406438 |  | 3158624067 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225406439 |  | 3158624071 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225406440 |  | 3158624072 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225406441 |  | 3158624073 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.330% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.90 |
| 225406442 |  | 3158624074 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225406443 |  | 3158624075 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| 225406444 |  | 3158624076 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| 225406445 |  | 3158624081 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 225406446 |  | 3158624084 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 225406447 |  | 3158624086 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225406448 |  | 3158624087 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |

---

## Exhibit 99.11

**Exhibit 99.11**

---

| |
|:---|
| ![](situsamc_logo.jpg) |
| **Data Compare Summary (Total)** |
| **Run Date - 4/22/2026 9:57:07 AM** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 0 | 247 | 0.00% | 247 |
| State | 0 | 247 | 0.00% | 247 |
| Zip | 0 | 247 | 0.00% | 247 |
| Note Date | 1 | 247 | 0.40% | 247 |
| Original Loan Amount | 0 | 247 | 0.00% | 247 |
| Amortization Term | 1 | 247 | 0.40% | 247 |
| Original Interest Rate | 1 | 247 | 0.40% | 247 |
| Borrower Qualifying FICO | 8 | 247 | 3.24% | 247 |
| Amortization Type | 1 | 247 | 0.40% | 247 |
| Representative FICO | 4 | 247 | 1.62% | 247 |
| Property Type | 2 | 247 | 0.81% | 247 |
| Interest Only | 0 | 247 | 0.00% | 247 |
| Lien Position | 0 | 247 | 0.00% | 247 |
| Occupancy | 0 | 247 | 0.00% | 247 |
| Purpose | 0 | 247 | 0.00% | 247 |
| Appraised Value | 1 | 247 | 0.40% | 247 |
| Contract Sales Price | 7 | 247 | 2.83% | 247 |
| Balloon Flag | 0 | 247 | 0.00% | 247 |
| Original CLTV | 2 | 247 | 0.81% | 247 |
| Original LTV | 2 | 247 | 0.81% | 247 |
| Origination Channel | 0 | 247 | 0.00% | 247 |
| Appraisal Effective Date | 3 | 247 | 1.21% | 247 |
| Investor: Qualifying Total Debt Ratio | 11 | 247 | 4.45% | 247 |
| Initial Rate Lock Date | 38 | 247 | 15.38% | 247 |
| Coborrower Qualifying FICO | 2 | 147 | 1.36% | 247 |
| **Total** | **84** | **6075** | **1.38%** | **247** |

---

## Exhibit 99.12

**Exhibit 99.12**

---

| |
|:---|
| ![](situsamc_logo.jpg) |
| **Data Compare (Non-Ignored)** |
| **Run Date - 4/22/2026 9:58:17 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** |
| 225406206 |  | 3158623677 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406206 |  | 3158623677 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
| 225406210 |  | 3158623687 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406214 |  | 3158623693 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406215 |  | 3158623696 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406216 |  | 3158623697 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field value DTI matches the 1008 |
| 225406217 |  | 3158623698 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406220 |  | 3158623708 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406223 |  | 3158623711 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406227 |  | 3158623720 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406228 |  | 3158623723 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406233 |  | 3158623729 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406240 |  | 3158623741 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field value DTI inputs of income and debts generally match the 1008, unable to determine variance. |
| 225406250 |  | 3158623761 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406260 |  | 3158623774 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406275 |  | 3158623797 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225406278 |  | 3158623801 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 225406279 |  | 3158623802 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 225406284 |  | 3158623811 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 225406287 |  | 3158623817 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406289 |  | 3158623819 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 225406295 |  | 3158623826 |  |  | 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 |
| 225406296 |  | 3158623827 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | unable to determine variance |
| 225406296 |  | 3158623827 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406308 |  | 3158623842 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 225406308 |  | 3158623842 |  |  | 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) |
| 225406308 |  | 3158623842 |  |  | Original LTV | [Redacted] | [Redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225406308 |  | 3158623842 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406311 |  | 3158623846 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406314 |  | 3158623851 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406316 |  | 3158623855 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406318 |  | 3158623857 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225406323 |  | 3158623866 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 225406327 |  | 3158623873 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225406327 |  | 3158623873 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406327 |  | 3158623873 |  |  | Representative FICO | [Redacted] | [Redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225406336 |  | 3158623884 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406341 |  | 3158623892 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406347 |  | 3158623898 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406357 |  | 3158623923 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406365 |  | 3158623934 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406366 |  | 3158623935 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406369 |  | 3158623944 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 225406369 |  | 3158623944 |  |  | Original LTV | [Redacted] | [Redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225406369 |  | 3158623944 |  |  | 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) |
| 225406374 |  | 3158623951 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225406376 |  | 3158623953 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406377 |  | 3158623957 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406378 |  | 3158623960 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
| 225406378 |  | 3158623960 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406378 |  | 3158623960 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Difference due to qualifying payment used |
| 225406378 |  | 3158623960 |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
| 225406378 |  | 3158623960 |  |  | Representative FICO | [Redacted] | [Redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225406378 |  | 3158623960 |  |  | Amortization Type | [Redacted] | [Redacted] | Verified | Field Value reflects Amortization Type per Note |
| 225406378 |  | 3158623960 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225406378 |  | 3158623960 |  |  | Original Interest Rate | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| 225406378 |  | 3158623960 |  |  | Amortization Term | [Redacted] | [Redacted] | Verified | Field Value reflects Amortization Term per Note |
| 225406378 |  | 3158623960 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225406379 |  | 3158623961 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225406379 |  | 3158623961 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field value is within 1% of 1008 value |
| 225406380 |  | 3158623963 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406386 |  | 3158623975 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406389 |  | 3158623978 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI matches the 1008 DTI |
| 225406390 |  | 3158623979 |  |  | Coborrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225406395 |  | 3158623993 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406403 |  | 3158624004 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406406 |  | 3158624009 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field value DTI is about one percent variance from the last AUS calc and last 1008 calc. |
| 225406407 |  | 3158624011 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225406408 |  | 3158624012 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406410 |  | 3158624014 |  |  | Coborrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225406411 |  | 3158624015 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225406413 |  | 3158624018 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225406414 |  | 3158624019 |  |  | Representative FICO | [Redacted] | [Redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225406418 |  | 3158624026 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI matches the 1008 DTI. |
| 225406423 |  | 3158624037 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406425 |  | 3158624042 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI matches 1008 DTI. |
| 225406432 |  | 3158624060 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406435 |  | 3158624064 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
| 225406436 |  | 3158624065 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406439 |  | 3158624071 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of highest wage earner of all borrowers |
| 225406439 |  | 3158624071 |  |  | Representative FICO | [Redacted] | [Redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 225406439 |  | 3158624071 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225406448 |  | 3158624087 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | As per the latest credit report dated [Redacted], the [Redacted] card-serviced liabilities are closed. The tax amount and HOA amount have not been considered in the Form 1008 for DTI calculation. |
| 225406448 |  | 3158624087 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |

---