# EDGAR Filing Document

**Accession Number:** 0001142786
**File Stem:** 0001999371-25-019338
**Filing Date:** 2025-12
**Character Count:** 683929
**Document Hash:** cf04b2c438dc844d714ad913931685de
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-019338.hdr.sgml**: 20251203

**ACCESSION NUMBER**: 0001999371-25-019338

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

**PUBLIC DOCUMENT COUNT**: 26

**CONFORMED PERIOD OF REPORT**: 20251203

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

**FILED AS OF DATE**: 20251203

**DATE AS OF CHANGE**: 20251203

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Prime

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Acceptance Corp II
- **CENTRAL INDEX KEY:** 0001142786
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 364449120
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01089
- **FILM NUMBER:** 251546136

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670
- **BUSINESS PHONE:** 3127820600

**MAIL ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOND SECURITIZATION LLC
- **DATE OF NAME CHANGE:** 20010618
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Acceptance Corp II
- **CENTRAL INDEX KEY:** 0001142786
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 364449120
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670
- **BUSINESS PHONE:** 3127820600

**MAIL ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOND SECURITIZATION LLC
- **DATE OF NAME CHANGE:** 20010618
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Acceptance Corp II
- **CENTRAL INDEX KEY:** 0001142786
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 364449120
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01089

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670
- **BUSINESS PHONE:** 3127820600

**MAIL ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOND SECURITIZATION LLC
- **DATE OF NAME CHANGE:** 20010618

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549<br>FORM ABS-15G<br>ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>j.p. morgan acceptance corporation ii</u>**

Check the appropriate box to indicate the filing obligation 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:__________________

Name and telephone number, including area code, 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)(l) ☐

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

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

☒ Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0001142786

<u>J.P. Morgan Mortgage Trust 2025-11</u><br> (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): ________________

Amie Davis, (212) 623-7441

Name and telephone number, including area code, of the person to contact in connection with this filing

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.02 Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.03 Notice of Termination of Duty to File Reports under Rule l5Ga-1

Not Applicable

**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.

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Form ABS Due Diligence-15E |
| [99.2](ex99-2.htm) | AMC Data Compare |
| [99.3](ex99-3.htm) | AMC Exception Report |
| [99.4](ex99-4.htm) | AMC Rating Agency Grades |
| [99.5](ex99-5.htm) | AMC Valuation Summary |
| [99.6](ex99-6.htm) | Consolidated Analytics, Inc. ("Consolidated Analytics") Due Diligence Narrative |
| [99.7](ex99-7.htm) | Consolidated Analytics Data Compare |
| [99.8](ex99-8.htm) | Consolidated Analytics Exception Report |
| [99.9](ex99-9.htm) | Consolidated Analytics Rating Agency Grades |
| [99.10](ex99-10.htm) | Consolidated Analytics Valuation Summary |
| [99.11](ex99-11.htm) | Inglet Blair, LLC ("Inglet Blair") Due Diligence Narrative |
| [99.12](ex99-12.htm) | Inglet Blair Data Compare |
| [99.13](ex99-13.htm) | Inglet Blair Exception Report |
| [99.14](ex99-14.htm) | Inglet Blair Rating Agency Grades |
| [99.15](ex99-15.htm) | Inglet Blair Valuation Summary |
| [99.16](ex99-16.htm) | Inglet Blair Loan Summary |
| [99.17](ex99-17.htm) | Maxwell Diligence Solutions, LLC ("Maxwell") Due Diligence Narrative |
| [99.18](ex99-18.htm) | Maxwell Exceptions Report |
| [99.19](ex99-19.htm) | Maxwell Grading Report |
| [99.20](ex99-20.htm) | Maxwell Valuation Report |
| [99.21](ex99-21.htm) | Maxwell Data Compare Report |

---

**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.

j.p. morgan acceptance corporation ii

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (Depositor)

Date: December 3, 2025

<u>/s/ Michael Brown</u>

Name: Michael Brown

Title: Chief Executive Officer (Senior Officer in charge of securitization)

## Exhibit 99.1

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.1**

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**UNITED STATES SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

**CERTIFICATION OF PROVIDER OF THIRD PARTY DUE DILIGENCE SERVICES FOR ASSET-BACKED SECURITIES**

**Item 1: Identity of the person providing third party due diligence services** 

Legal Name: <u>AMC Diligence, LLC</u>

Business Name (if Different):<u> </u>

Principal Business Address: <u>150 East 52<sup>nd</sup> Street, Suite 4002, New York, NY 10022</u>

**Item 2: Identity of the person who paid the person to provide due diligence services** 

Legal Name: <u>JPMorgan Chase Bank, National Association</u>

Business Name (if Different):<u> </u>

Principal Business Address: <u>270 Park Avenue, 4<sup>th</sup> Floor, New York, NY 10017</u>

**Item 3: Credit rating criteria** 

---

| | |
|:---|:---|
| **Identity of NRSRO** | **Title and Date of Criteria** |
| DBRS, Inc. | Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions dated September 30, 2024 |
| Fitch Ratings, Inc. | U.S. RMBS Rating Criteria, October 1, 2025 |
| Kroll Bond Rating Agency, LLC | U.S. RMBS Rating Methodology, December 7, 2023 |
| Moody's Investors Service, Inc. | Global Structured Finance Data Quality Evaluation Approach, February 9, 2022 |
| S&P Global Ratings | Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025 |

---

**Item 4: Description of the due diligence performed**

See attached.

**Item 5: Summary of findings and conclusions of review**

See attached.

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**CERTIFICATION**

The undersigned has executed this Form ABS Due Diligence 15E on behalf of, and on the authority of, the person identified in Item 1 of the Form. The undersigned, on behalf of the person, represents that the person identified in Item 1 of the Form conducted a thorough review in performing the due diligence described in Item 4 attached to this Form and that the information and statements contained in this Form, including Items 4 and 5 attached to this Form, which are part of this Form, are accurate in all significant respects on and as of the date hereof.

Name of Person Identified in Item 1: <u>AMC Diligence, LLC</u> 

By: <u>Tim Van Houtte</u> 

Signature: <u>/s/ Tim Van Houtte</u>

Date: <u>December 3, 2025</u>

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**Item 4: Description of the due diligence performed**

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

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

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

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

The Review was conducted on two hundred ninety (290) loans selected by the Client. Subsequent to review, the Client reduced the population to two hundred eighty-nine (289) mortgage loans with an aggregate original principal balance of approximately $392.397 million for unknown reasons. 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:

---

| | | | | |
|:---|:---|:---|:---|:---|
| # of Units | City | Lien Position | Original LTV | State |
| Amortization Term | Coborrower First Name | LTV Valuation Value | Original P&I | Street |
| Amortization Type | Coborrower Last Name | Note Date | Other Financing Junior Total Original Loan Amount | Zip |
| Appraised Value | Contract Sales Price | Occupancy | Property Type |  |
| Borrower First Name | Decision System | Original CLTV | Purpose |  |
| Borrower FTHB | Interest Only | Original Interest Rate | Refi Purpose |  |
| Borrower Last Name | Investor: Qualifying Total Debt Ratio | Original Loan Amount | Representative FICO |  |

---

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 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.

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**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/Zippy Review** 

When a DU/LP/Zippy form is provided, AMC (i) confirmed and captured recommendations and (ii) verified that (a) red flags listed on the DU/LP/Zippy were addressed by the underwriter, (b) listed credit conditions were cleared by the underwriter, and (c) the final DU/LP/Zippy 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 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.

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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. <br>

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&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

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

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**(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;

&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. <br>

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&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.).

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.

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(9) Disclaimer.**

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

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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.

**Item 5. Summary of findings and 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"), and Moody's Investors Service, Inc. ("Moody's") and S&P Global Ratings ("S&P").

**OVERALL REVIEW RESULTS SUMMARY**

There were two hundred eighty-nine (289) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria, eighty-two (82) (28.37%) loans had an overall loan grade of "B". Eleven (11) of the loans with an overall grade of "B" had exceptions across multiple exception types. After all documents were presented, under the applicable DBRS, Fitch, Kroll, and Moody's NRSRO grading criteria, eighty-one (81) (28.03%) loans had an overall loan grade of "B". Eight (8) of the loans with an overall grade of "B" had exceptions across multiple exception types.

---

| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **S&P Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | B | ATR/QM Defect | 60 |
| Compliance | B | TRID Defect | 43 |
| Compliance | B | ECOA | 8 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 5 |
| Compliance | B | Missing Non-Required Data | 2 |
| Compliance | B | Flood | 1 |
| Compliance | B | TRID | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***120*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **120** |
| Credit | B | Title | 19 |
| Credit | B | Guideline | 6 |
| Credit | B | Hazard Insurance | 1 |
| Credit | B | Borrower and Mortgage Eligibility | 1 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***27*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **27** |
| Property | B | Appraisal Reconciliation | 6 |
| Property | B | Property - Appraisal | 1 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | ***7*** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **7** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **154** |

---

---

| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **DBRS, Fitch, Kroll, and Moody's Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | B | ATR/QM Defect | 60 |
| Compliance | B | TRID Defect | 43 |
| Compliance | B | ECOA | 8 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 5 |
| Compliance | B | Missing Non-Required Data | 2 |
| Compliance | B | Flood | 1 |
| Compliance | B | TRID | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***120*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **120** |
| Credit | B | Title | 19 |
| Credit | B | Guideline | 6 |
| Credit | B | Hazard Insurance | 1 |
| Credit | B | Borrower and Mortgage Eligibility | 1 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***27*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **27** |
| Property | B | Appraisal Reconciliation | 2 |
| Property | B | Property - Appraisal | 1 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | ***3*** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **3** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **150** |

---

13 \| Page

![](amcdlogo.jpg)

**COMPLIANCE RESULTS SUMMARY**

Of the two hundred eighty-nine (289) loans reviewed, under the applicable NRSRO grading criteria, sixty (60) had a Compliance Review "B" grade. Twenty-five (25) of the loans with an overall grade of "B" had multiple compliance exceptions.

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 229 | 79.24% |
| B | 60 | 20.76% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the two hundred eighty-nine (289) loans reviewed, under the applicable S&P NRSRO grading criteria, seven (7) loans had a Property Review "B" grade for property/appraisal related issues (see exception detail below). Of the two hundred eighty-nine (289) loans reviewed, under the applicable DBRS, Fitch, Kroll, and Moody's NRSRO grading criteria, three (3) loans had a Property Review "B" grade for property/appraisal related issues (see exception detail below).

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 282 | 97.58% |
| B | 7 | 2.42% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

---

| | | |
|:---|:---|:---|
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 286 | 98.96% |
| B | 3 | 1.04% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**CREDIT REVIEW RESULTS SUMMARY**

Two hundred sixty-three (263) mortgage loans (91.00%) of the total received an "A" Credit Review grade. The twenty-six (26) "B" Credit Review grades 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.

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 263 | 91.00% |
| B | 26 | 9.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred eighty-nine (289) mortgage loans reviewed, one hundred forty-six (146) (50.52%) mortgage loans had tape discrepancies across twenty-three (23) unique data fields. The most common tape discrepancies were Contract Sales Price (10.73%), Investor: Qualifying Total Debt Ratio (9.69%), Note Date (9.34%), and Original Interest Rate (9.34%). 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.

---

| | | |
|:---|:---|:---|
| **Field** | **# of Loans** | **% of Loans** |
| Contract Sales Price | 31 | 10.73% |
| Investor: Qualifying Total Debt Ratio | 28 | 9.69% |
| Note Date | 27 | 9.34% |
| Original Interest Rate | 27 | 9.34% |
| Property Type | 26 | 9.00% |
| Appraised Value | 25 | 8.65% |
| Street | 15 | 5.19% |
| Original Loan Amount | 12 | 4.15% |
| Original P&I | 11 | 3.81% |
| Original LTV | 11 | 3.81% |
| Original CLTV | 10 | 3.46% |
| Refi Purpose | 9 | 3.11% |
| Decision System | 8 | 2.77% |
| Zip | 8 | 2.77% |
| Coborrower First Name | 7 | 2.42% |
| Coborrower Last Name | 7 | 2.42% |
| Borrower FTHB | 5 | 1.73% |
| Borrower Last Name | 4 | 1.38% |
| Representative FICO | 3 | 1.04% |
| Borrower First Name | 3 | 1.04% |
| Occupancy | 3 | 1.04% |
| Interest Only | 1 | 0.35% |
| City | 1 | 0.35% |

---

14 \| Page

![](amcdlogo.jpg)

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| **TPR Loan Designation** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Safe Harbor QM (APOR) | 289 | 100.00% | $392396687.00 | 100.00% |
| **Total** | **289** | **100.00%** | **$392396687.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Fixed | 288 | 99.65% | $391111687.00 | 99.67% |
| Adjustable | 1 | 0.35% | $1285000.00 | 0.33% |
| **Total** | **289** | **100.00%** | **$392396687.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 289 | 100.00% | $392396687.00 | 100.00% |
| **Total** | **289** | **100.00%** | **$392396687.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Other-than-first-time Home Purchase | 179 | 61.94% | $244651141.00 | 62.35% |
| Rate/Term Refinance - Borrower Initiated | 52 | 17.99% | $78942525.00 | 20.12% |
| First Time Home Purchase | 35 | 12.11% | $41268091.00 | 10.52% |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 23 | 7.96% | $27534930.00 | 7.02% |
| **Total** | **289** | **100.00%** | **$392396687.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 289 | 100.00% | $392396687.00 | 100.00% |
| **Total** | **289** | **100.00%** | **$392396687.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 151 | 52.25% | $202462059.00 | 51.60% |
| PUD | 111 | 38.41% | $151106238.00 | 38.51% |
| Condo, Low Rise | 11 | 3.81% | $11726040.00 | 2.99% |
| 2 Family | 7 | 2.42% | $14345600.00 | 3.66% |
| Condo, High Rise | 4 | 1.38% | $4482750.00 | 1.14% |
| 1 Family Attached | 2 | 0.69% | $2731500.00 | 0.70% |
| Co-op | 1 | 0.35% | $2300000.00 | 0.59% |
| 3 Family | 1 | 0.35% | $1552500.00 | 0.40% |
| 4 Family | 1 | 0.35% | $1690000.00 | 0.43% |
| **Total** | **289** | **100.00%** | **$392396687.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 259 | 89.62% | $353067787.00 | 89.98% |
| Second Home | 30 | 10.38% | $39328900.00 | 10.02% |
| **Total** | **289** | **100.00%** | **$392396687.00** | **100.00%** |

---

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

15 \| Page

![](amcdlogo.jpg)

**EXCEPTION DETAIL**

The exception summary below ties to the total number of B 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).

---

| | | |
|:---|:---|:---|
| **S&P Exceptions** | **# of Loans** | **Exception Type** |
| Self-Employed Tax Return Recency - QM | 59 B | Compliance |
| TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | 11 B | Compliance |
| TRID Final Closing Disclosure Amount Financed Test | 7 B | Compliance |
| TRID Final Closing Disclosure Finance Charge | 7 B | Compliance |
| TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | 5 B | Compliance |
| ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | 5 B | Compliance |
| TRID Final Closing Disclosure Will Not Have Escrow Account | 3 B | Compliance |
| TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | 3 B | Compliance |
| TRID Final Closing Disclosure Will Have Escrow Account | 3 B | Compliance |
| TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | 2 B | Compliance |
| TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | 2 B | Compliance |
| TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 | 2 B | Compliance |
| ECOA Appraisal - Appraisal Provided Prior to Date Performed | 2 B | Compliance |
| (Missing Data) Last Rate Set Date | 2 B | Compliance |
| General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | 1 B | Compliance |
| TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | 1 B | Compliance |
| Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | 1 B | Compliance |
| TRID Revised Loan Estimate Timing Before Closing Test | 1 B | Compliance |
| TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | 1 B | Compliance |
| Closing Disclosure: Dates are not in chronological order. | 1 B | Compliance |
| ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | 1 B | Compliance |
| Title Policy Coverage is less than Original Loan Amount. | 19 B | Credit |
| Ineligible property type. | 5 B | Credit |
| Guideline Requirement: Investor qualifying total debt ratio discrepancy. | 1 B | Credit |
| Guideline Requirement: Loan to value discrepancy. | 1 B | Credit |
| The Hazard Insurance Policy effective date is after the funds disbursed. | 1 B | Credit |
| Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | 4 B | Property |
| Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | 2 B | Property |
| Appraisal is required to be in name of Lender | 1 B | Property |

---

---

| | | |
|:---|:---|:---|
| **DBRS, Fitch, Kroll, and Moody's Exceptions** | **# of Loans** | **Exception Type** |
| Self-Employed Tax Return Recency - QM | 59 B | Compliance |
| TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | 11 B | Compliance |
| TRID Final Closing Disclosure Amount Financed Test | 7 B | Compliance |
| TRID Final Closing Disclosure Finance Charge | 7 B | Compliance |
| TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | 5 B | Compliance |
| ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | 5 B | Compliance |
| TRID Final Closing Disclosure Will Not Have Escrow Account | 3 B | Compliance |
| TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | 3 B | Compliance |
| TRID Final Closing Disclosure Will Have Escrow Account | 3 B | Compliance |
| TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | 2 B | Compliance |
| TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | 2 B | Compliance |
| TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 | 2 B | Compliance |
| ECOA Appraisal - Appraisal Provided Prior to Date Performed | 2 B | Compliance |
| (Missing Data) Last Rate Set Date | 2 B | Compliance |
| General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | 1 B | Compliance |
| TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | 1 B | Compliance |
| Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | 1 B | Compliance |
| TRID Revised Loan Estimate Timing Before Closing Test | 1 B | Compliance |
| TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | 1 B | Compliance |
| Closing Disclosure: Dates are not in chronological order. | 1 B | Compliance |
| ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | 1 B | Compliance |
| Title Policy Coverage is less than Original Loan Amount. | 19 B | Credit |
| Ineligible property type. | 5 B | Credit |
| Guideline Requirement: Investor qualifying total debt ratio discrepancy. | 1 B | Credit |
| Guideline Requirement: Loan to value discrepancy. | 1 B | Credit |
| The Hazard Insurance Policy effective date is after the funds disbursed. | 1 B | Credit |
| Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | 2 B | Property |
| Appraisal is required to be in name of Lender | 1 B | Property |

---

16 \| Page

## Exhibit 99.2

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 304687317 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304700208 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304700208 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304700208 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304700208 | Original CLTV | 42.31 | 47.95487 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304700208 | Original LTV | 42.31 | 47.95487 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304716576 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304716576 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304716576 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304716576 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304716576 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304717969 | Representative FICO | 758 | 759 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304717969 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304745023 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304745023 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304745031 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304745031 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304745025 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304745020 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304745020 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
| 304745033 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304745033 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304716512 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304716512 | Investor: Qualifying Total Debt Ratio | 39.15 | 43.64066 | Verified | Matches AUS. |
| 304764122 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304768879 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304730819 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304730819 | Investor: Qualifying Total Debt Ratio | 18.5 | 28.64338 | Verified | DTI in line with1008/AUS approval at 27.25% |
| 304730286 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304756873 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304758020 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304758020 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304767876 | Original Interest Rate | 5.63 | 5.625 | Verified | Field Value reflects the Note value |
| 304767876 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304767876 | Investor: Qualifying Total Debt Ratio | 14.05 | 22.57163 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304768859 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304765398 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304765398 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304765398 | Original Interest Rate | 6.13 | 6.125 | Verified | Field Value reflects the Note value |
| 304767191 | Occupancy | Primary | Second Home | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 304767191 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304767191 | Investor: Qualifying Total Debt Ratio | 25.96 | 45.81034 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304766851 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304763251 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304817856 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304817856 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304732743 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304776837 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 304769766 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304821162 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304818312 | Investor: Qualifying Total Debt Ratio | 41.266 | 36.36636 | Verified | 1008 reflects incorrect DTI which can be verified through manual Calculation. Field value reflects correct DTI as income and debts are correctly captured |
| 304833137 | Occupancy | Primary | Second Home | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 304756831 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304733009 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304732097 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304732097 | Original CLTV | 80 | 77.40449 | 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) |
| 304732097 | Original LTV | 80 | 77.40449 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304732097 | Investor: Qualifying Total Debt Ratio | 39.1 | 49.65527 | Verified | Field Value DTI matches 1008 DTI. |
| 304747502 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304754474 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304754474 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304754474 | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304754474 | Investor: Qualifying Total Debt Ratio | 8.6392 | 45.92241 | Verified | Field Value DTI matches the 1008 DTI. |
| 304731319 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304731319 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304754940 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304754940 | Decision System | LP / LPA | DU | Verified | Field value reflects source document |
| 304754912 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304754912 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304817735 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304817735 | Investor: Qualifying Total Debt Ratio | 45.9971 | 39.09856 | Verified | Per 1008 DTI is 39.099% and calculated DTI is 39.099% |
| 304820242 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304820242 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304820242 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304828897 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304828897 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304833305 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304827284 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304825303 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304778002 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304778002 | Original CLTV | 80 | 81.11888 | 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) |
| 304778002 | Original LTV | 80 | 81.11888 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304778002 | Investor: Qualifying Total Debt Ratio | 13.8 | 32.63322 | Verified | 1008 reflects 32.63% DTI |
| 304775090 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304826912 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304833307 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304840460 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304834694 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304834694 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304834694 | Original Interest Rate | 6.13 | 6.125 | Verified | Field Value reflects the Note value |
| 304824903 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304823441 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304760530 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304760530 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304856451 | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304822797 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304834685 | Original Interest Rate | 6.13 | 6.125 | Verified | Field Value reflects the Note value |
| 304843283 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304817848 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304839408 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304826952 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304826952 | Original CLTV | 71.41 | 76.40329 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304826952 | Original LTV | 71.41 | 76.40329 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304829024 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304829024 | Appraised Value | xxxx | xxxx | Verified | Tape Value reflects Purchase Price |
| 304840841 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304840841 | Investor: Qualifying Total Debt Ratio | 14 | 30.92032 | Verified | 1008 approval reflects 30.83% DTI |
| 304838861 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304838861 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304838861 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304838861 | Investor: Qualifying Total Debt Ratio | 43.7 | 36.94617 | Verified | 1008 approval reflects 39.81% DTI |
| 304840778 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304840778 | Investor: Qualifying Total Debt Ratio | 22 | 18.57843 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304866773 | Original Interest Rate | 6.38 | 6.375 | Verified | Field Value reflects the Note value |
| 304866773 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304866766 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304866766 | Original Interest Rate | 6.63 | 6.625 | Verified | Field Value reflects the Note value |
| 304866766 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304866766 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304866772 | Original Interest Rate |  | 6.375 | Verified | Field Value reflects the Note value |
| 304866772 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304866772 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304866767 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304866768 | Original Interest Rate | 6.38 | 6.375 | Verified | Field Value reflects the Note value |
| 304866768 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304866770 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866770 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304866771 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304828413 | Original Interest Rate | 6.13 | 6.125 | Verified | Field Value reflects the Note value |
| 304838876 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304848599 | Representative FICO | 800 | 799 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304848599 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304862187 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304862188 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304862188 | Original CLTV | 60.67 | 70 | 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) |
| 304862188 | Original LTV | 60.67 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304843737 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304843737 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304849332 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304849332 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304817809 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304817809 | Interest Only | 1 | 0 | Verified | Unable to verify due to missing information |
| 304862185 | Investor: Qualifying Total Debt Ratio | 43 | 48.545 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304848602 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304840917 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304842868 | Original Interest Rate | 6.63 | 6.625 | Verified | Field Value reflects the Note value |
| 304839041 | Original Interest Rate | 6.13 | 6.125 | Verified | Field Value reflects the Note value |
| 304839041 | Investor: Qualifying Total Debt Ratio | 23.05 | 26.27704 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304838963 | Original Interest Rate | 6.13 | 6.125 | Verified | Field Value reflects the Note value |
| 304852323 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304852323 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304862191 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304862191 | Original CLTV | 66.38 | 75 | 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) |
| 304862191 | Original LTV | 66.38 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304702259 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304702259 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304750525 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304750525 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304750525 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304750525 | Original CLTV | 84.11 | 81.77778 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304750525 | Original LTV | 84.11 | 81.77778 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304734157 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304734157 | Investor: Qualifying Total Debt Ratio | 25.444 | 32.3022 | Verified | Field Value DTI matches 1008 DTI. |
| 304755030 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304755030 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304755030 | Investor: Qualifying Total Debt Ratio | 30.5473 | 36.40067 | Verified | Per AUS DTI is 36.30% and calculated DTI is 36.40% due to Borrower xxxx income pf $xxxx vs AUS of $xxxx |
| 304754497 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304754497 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304731040 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304731040 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304731040 | Original CLTV | 42.1 | 40.70135 | 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) |
| 304731040 | Original LTV | 42.1 | 40.70135 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304731040 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304731040 | Investor: Qualifying Total Debt Ratio | 33.6719 | 44.97785 | Verified | Per AUS DTI is 44.98% and calculated DTI is 44.98% |
| 304769661 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304818702 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304817736 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304817736 | Representative FICO | 777 | 771 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304817736 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304817736 | Investor: Qualifying Total Debt Ratio | 45 | 36.70519 | Verified | Per AUS DTI is 33.70% and calculated DTI is 36.71% due to investment properties rental incomes differ for xxxx $xxxx vs 1003 $xxxx due to P&I, xxxx fair rental days 8 months per Schedule E and worksheet states 6 months $xxxx vs 1003 $xxxx, xxxx Fair rental days 6 months per Schedule E vs worksheet 7 months used $xxxx vs 1003 $xxxx and xxxx total expenses and gross rents per schedule E is a negative and worksheet states a positive xxxx vs 1003 $xxxx. |
| 304833069 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304833069 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304833069 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304833069 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304833069 | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304826900 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304826900 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304826900 | Investor: Qualifying Total Debt Ratio | 49.907 | 43.40685 | Verified | Per AUS DTI is 43.40% and calculated DTI is 43.40% |
| 304816399 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304827075 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| 304818431 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304818431 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304818431 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304818431 | Investor: Qualifying Total Debt Ratio | 30.16 | 26.52933 | Verified | Field Value DTI matches 1008 DTI. |
| 304816494 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304816494 | Investor: Qualifying Total Debt Ratio | 22.9062 | 19.46321 | Verified | Field Value DTI matches 1008 DTI. |
| 304829025 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304839040 | Investor: Qualifying Total Debt Ratio | 21.917 | 31.67426 | Verified | DTI match with approval document. |
| 304871575 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304871575 | Investor: Qualifying Total Debt Ratio | 38.61 | 48.79212 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304871573 | Original Interest Rate | 6.13 | 6.125 | Verified | Field Value reflects the Note value |
| 304871573 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304871572 | Original Interest Rate | 6.38 | 6.375 | Verified | Field Value reflects the Note value |
| 304871572 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304871571 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304871568 | Property Type | Condo | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304871565 | Original Interest Rate | 6.13 | 6.125 | Verified | Field Value reflects the Note value |
| 304871564 | Original Interest Rate | 6.13 | 6.125 | Verified | Field Value reflects the Note value |
| 304871562 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304872217 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304871559 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304871555 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304871554 | Original Interest Rate | 6.13 | 6.125 | Verified | Field Value reflects the Note value |
| 304871553 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304871551 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304871551 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304871543 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304871543 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304871539 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304861658 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304861658 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304858900 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304840457 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304840457 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304862342 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304862342 | Original Interest Rate | 6.38 | 6.375 | Verified | Field Value reflects the Note value |
| 304858319 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304867915 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304867915 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 304867915 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304867915 | Investor: Qualifying Total Debt Ratio | 38.339 | 42.12459 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304856888 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304856888 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304838964 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304838964 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304856532 | Original Interest Rate | 6.38 | 6.375 | Verified | Field Value reflects the Note value |
| 304865443 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304865149 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304862190 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304862190 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304862190 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304862190 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304862190 | Original CLTV | 50 | 60.52632 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304862190 | Original LTV | 50 | 60.52632 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304862190 | Investor: Qualifying Total Debt Ratio | 19.77 | 23.19794 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304846546 | Original Interest Rate | 6.38 | 6.375 | Verified | Field Value reflects the Note value |
| 304860649 | Original Interest Rate | 6.38 | 6.375 | Verified | Field Value reflects the Note value |
| 304858975 | Original Interest Rate | 6.63 | 6.625 | Verified | Field Value reflects the Note value |
| 304732198 | Original LTV | 79.99 | 69.98689 | Verified | Field Value is the LTV and Bid Tape Field Value is the CLTV |
| 304825651 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304825651 | Investor: Qualifying Total Debt Ratio | 40 | 43.62899 | Verified | Per 1008 DTI is 43.628% and calculated DTI is 43.628% |
| 304825651 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| 304820286 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304820286 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| 304823390 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304823390 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304765406 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304765406 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304765406 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304765406 | Investor: Qualifying Total Debt Ratio | 35 | 41.08937 | Verified | Per AUS DTI is 41.09% and calculated DTI is 41.09% |
| 304822786 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304822786 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304822786 | Decision System |  | DU | Verified | Field value reflects source document |
| 304826029 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304826029 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304826029 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| 304840938 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304840158 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304840158 | Occupancy | Primary | Second Home | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 304840158 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304840158 | Original CLTV | 63.42 | 60 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304840158 | Original LTV | 63.42 | 60 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304818636 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304818636 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304818636 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304818636 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304818636 | Decision System | LP / LPA | DU | Verified | Field value reflects source document |
| 304839034 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304839034 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304839034 | Investor: Qualifying Total Debt Ratio | 31.398 | 25.41069 | Verified | Field value is lower |
| 304839034 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| 304848570 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |

---

## Exhibit 99.3

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **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** |
| 304427823 | 32298144 |  | 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. | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 B A C |  | OK | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304427823 | 32298145 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304427823 | 32298147 |  | Compliance | 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 $7,140.00 exceeds tolerance of $6,572.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | OK | 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 |
| 304427823 | 32298148 |  | Compliance | 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 $695.00 exceeds tolerance of $650.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | OK | 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 |
| 304427823 | 32298150 |  | Compliance | 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 $238.00 exceeds tolerance of $216.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | OK | 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 |
| 304427823 | 32332594 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304427823 | 32332665 |  | Compliance | 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 $1.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | OK | 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 |
| 304427823 | 32350194 |  | 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 $695.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 12/11/2024 |  | 1 A |  | OK | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304427823 | 32350195 |  | 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 $1.75 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 12/11/2024 |  | 1 A |  | OK | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304427823 | 32350196 |  | 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 $238.00 exceeds tolerance of $216.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 12/11/2024 |  | 1 A |  | OK | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304687317 | 33244403 |  | 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 50.01802% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score is above 680. | 800 FICO score | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/25/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304687317 | 33244415 |  | 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. | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304687317 | 33244425 |  | 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 ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score is above 680. | 800 FICO score | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/25/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304687317 | 33244432 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304700208 | 33501382 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304700208 | 33501389 |  | 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 xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 05/30/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304716576 | 33795132 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx 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 xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 07/17/2025 |  | 2 C B |  | UT | 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 |
| 304716576 | 33795133 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx 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 $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 07/17/2025 |  | 2 C B |  | UT | 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 |
| 304736176 | 33822483 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 07/03/2025 |  |  | 1 B A |  | MD | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304736176 | 33822485 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 07/03/2025 |  |  | 1 A |  | MD | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304717969 | 33848236 |  | 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 $305.00 exceeds tolerance of $291.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/07/2025 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304745025 | 34015432 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  |  |  |  |  | xxxx | 07/28/2025 |  |  | 1 D A B C |  | WA | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304745025 | 34015528 |  | 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 $-1,593.75 exceeds tolerance of $-1,669.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/23/2025 |  | 1 A |  | WA | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304745025 | 34067182 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | xxxx |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304745020 | 34033946 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 08/04/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304745033 | 34028895 |  | 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 $-447.50 exceeds tolerance of $-461.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 08/07/2025 |  | 2 C B |  | NM | 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 |
| 304745026 | 34016608 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $184.50 exceeds tolerance of $123.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 07/25/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304759791 | 34152506 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx 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 xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 09/11/2025 |  | 2 C B |  | 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) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304759791 | 34152507 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx 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 $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 09/11/2025 |  | 2 C B |  | 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) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304759791 | 34152509 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $14,340.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/14/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304716512 | 34003201 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  |  |  |  |  | xxxx | 08/07/2025 |  |  | 1 D A B C |  | IL | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304716512 | 34003430 |  | Compliance | 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 $3,577.56 exceeds tolerance of $1,978.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/07/2025 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304716512 | 34157249 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,577.56 exceeds tolerance of $2,042.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/07/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304716512 | 34163442 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304731802 | 34041265 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304731802 | 34041267 |  | Compliance | 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 $39,114.96 exceeds tolerance of $38,185.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | GA | 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 |
| 304731802 | 34041268 |  | Compliance | 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 $205.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 09/05/2025 |  | 2 C B |  | GA | 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 |
| 304764122 | 34160493 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 08/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304764122 | 34160670 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx 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 xx/xx/xxxx). The disclosed Total of Payments in the amount of $xxxx is under disclosed by $xxxx compared to the calculated total of payments of $xxxx which exceeds the $100.00 threshold. | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304755094 | 34094093 |  | 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. | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304755094 | 34094095 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule C | General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304755094 | 34094096 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | xxxx | 08/06/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304755094 | 34094101 |  | 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. | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 B A C |  | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304755094 | 34094113 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 08/27/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304755094 | 34094116 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304755094 | 34094175 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304755094 | 34136920 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Tax returns from xxxx were used to qualify. A fully executed 4506-C for the calendar year xxxx was not obtained |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304755094 | 34669034 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304768879 | 34171348 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx 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 xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 09/18/2025 |  | 2 C B |  | SC | 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 |
| 304768879 | 34171349 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx 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 $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 09/18/2025 |  | 2 C B |  | SC | 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 |
| 304768879 | 34171379 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 08/18/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304768879 | 34171395 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 08/18/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304768879 | 34171422 |  | 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. | xxxx |  |  |  | xxxx | 08/18/2025 |  |  | 1 B A C |  | SC | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304768879 | 34171423 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 08/18/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304734723 | 34132442 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 08/12/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304734723 | 34181833 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 08/12/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304769771 | 34180534 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304769771 | 34180535 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304769771 | 34180536 |  | 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 $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/11/2025 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304769771 | 34185394 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 A B |  | TN | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304769777 | 34168258 |  | 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 $900.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/08/2025 |  | 1 A |  | GA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304760526 | 34172521 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | xxxx |  |  |  | xxxx | 08/22/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304730819 | 34168369 |  | 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 $60.00 exceeds tolerance of $50.00 plus 10% or $55.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 08/29/2025 |  | 2 C B |  | GA | 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 |
| 304730286 | 34202966 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx 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 xx/xx/xxxx). | xxxx |  |  |  | xxxx | 08/29/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304730286 | 34202967 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx 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 $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 08/29/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304756873 | 34268549 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 09/16/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304758020 | 34270205 |  | Compliance | 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 $850.00 exceeds tolerance of $650.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 10/23/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304767876 | 34278274 |  | 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. | xxxx |  |  |  | xxxx | 09/05/2025 |  |  | 1 B A C |  | IN | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304767876 | 34278275 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 09/05/2025 |  |  | 1 C A |  | IN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304767876 | 34278276 |  | Compliance | 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 $205.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/19/2025 |  |  | 1 C A |  | IN | 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 |
| 304767876 | 34278277 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Settlement / Closing / Escrow Fee. Fee Amount of $65.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/19/2025 |  |  | 1 C A |  | IN | 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 |
| 304767191 | 34262449 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - Occupancy: ___; Declarations/Will borrower occupy: ___ | xxxx |  |  |  | xxxx | 09/10/2025 |  |  | 1 C A |  | OR | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304767191 | 34297443 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-3,326.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/09/2025 |  |  | 1 C A |  | OR | 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 |
| 304767191 | 34297445 |  | Compliance | 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 $2,299.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/09/2025 |  |  | 1 C A |  | OR | 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 |
| 304757977 | 34298582 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304757977 | 34298584 |  | 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 $-8,394.00 exceeds tolerance of $-10,010.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/23/2025 |  |  | 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 B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304763251 | 34299134 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: ___; Lien Position: ___ |  |  |  |  | xxxx | 09/16/2025 |  |  | 1 D A |  | CA | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304757490 | 34404045 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Income Fee. Fee Amount of $70.18 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/10/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304817856 | 34364967 |  | 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 $107.70 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/05/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304732743 | 34363832 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 09/20/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304813335 | 34415912 |  | Compliance | 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 Origination Fee. Fee Amount of $28,875.00 exceeds tolerance of $0.00. $28,875.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304769766 | 34366670 |  | 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 $1,000.00 exceeds tolerance of $745.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/05/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304769766 | 34366671 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/05/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304769766 | 34366673 |  | 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. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304769766 | 34521494 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304760528 | 34371909 |  | 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 $-5,041.84 exceeds tolerance of $-6,197.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/29/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304732701 | 34373345 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 09/24/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304732701 | 34373351 |  | 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. | xxxx |  |  |  | xxxx | 09/24/2025 |  |  | 1 B A C |  | CO | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304732701 | 34448562 |  | 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 $129.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/15/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304732701 | 34543307 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304732701 | 34543308 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304732701 | 34543309 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304820243 | 34371774 |  | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post xxxx, the subject property is in a flood zone, flood insurance is not escrowed. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304820243 | 34575990 |  | 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 Reinspection Fee. Fee Amount of $250.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/25/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304754476 | 34463373 |  | 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 $37.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/15/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304822853 | 34391047 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304821162 | 34539005 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304779946 | 34398161 |  | 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 $579.00 exceeds tolerance of $376.00 plus 10% or $413.60. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/10/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304779946 | 34398162 |  | 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 $1,175.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/10/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304779946 | 34495076 |  | 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 $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/18/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304818312 | 34401663 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $75.44 exceeds tolerance of $0.00. $75.44 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/29/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304819660 | 34412934 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TN | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819660 | 34412936 |  | 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 $810.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/11/2025 |  | 1 A |  | TN | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304757487 | 34415661 |  | 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 $303.95 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/11/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304766141 | 34416219 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304766141 | 34416229 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304766141 | 34416344 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304766141 | 34416345 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304766141 | 34416347 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304766141 | 34416348 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304766141 | 34416349 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304779951 | 34448123 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304821158 | 34449212 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304821158 | 34449465 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304821158 | 34449466 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304821158 | 34449470 |  | 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. | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304821158 | 34449540 |  | 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 59.08580% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304821158 | 34449541 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304756831 | 34444809 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx |  |  |  | xxxx | 08/20/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304733009 | 34444853 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 08/08/2025 |  |  | 1 C A |  | MI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304733009 | 34444854 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | MI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304732097 | 34444874 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 08/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304732097 | 34444876 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 08/04/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304732097 | 34444878 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 08/04/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304732097 | 34444879 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 08/04/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304732097 | 34444880 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx did not disclose whether the loan will have an escrow account. | xxxx |  |  |  | xxxx | 08/01/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304732097 | 34444881 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on xx/xx/xxxx are underdisclosed | xxxx |  |  |  | xxxx | 08/01/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304732097 | 34444882 |  | 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 xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 08/01/2025 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304732097 | 34444883 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xx/xx/xxxx are overdisclosed. | xxxx |  |  |  | xxxx |  | 08/01/2025 |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304732097 | 34444884 |  | 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 xx/xx/xxxx are underdisclosed. | xxxx |  |  |  | xxxx |  | 08/01/2025 |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304732097 | 34444885 |  | 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 xx/xx/xxxx did not disclose the Monthly Escrow Payment. | xxxx |  |  |  | xxxx |  | 08/01/2025 |  | 1 A |  | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304732097 | 34444886 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 08/01/2025 |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304747502 | 34445164 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304747502 | 34445165 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. |  | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304747502 | 34445167 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  | xxxx |  |  | 08/12/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304747502 | 34445168 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  | xxxx |  |  | 08/12/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304747502 | 34445170 |  | Credit | Missing Document | General | Missing Document | Missing Document: Tax Return Extension not provided |  | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304747502 | 34445171 |  | Credit | Missing Document | General | Missing Document | Missing Document: K-1 not provided |  | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304747502 | 34445172 |  | Credit | Missing Document | General | Missing Document | Missing Document: Tax Return Extension (for Business) not provided |  | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304731319 | 34445308 |  | Credit | Missing Document | General | Missing Document | Missing Document: WVOE not provided |  | xxxx |  |  |  | xxxx | 08/14/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304731319 | 34445310 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 08/14/2025 |  |  | 1 B A |  | UT | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304731319 | 34445312 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | xxxx |  |  |  | xxxx | 08/12/2025 |  |  | 1 B A |  | UT | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304731319 | 34445314 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | xxxx |  |  |  | xxxx | 08/14/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304731319 | 34445315 |  | 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 $123.00 exceeds tolerance of $96.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/06/2025 |  | 1 A |  | UT | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304731319 | 34445316 |  | 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. | xxxx |  |  |  | xxxx | 08/12/2025 |  |  | 1 C A |  | UT | 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 |
| 304731319 | 34445317 |  | Credit | Guideline | Guideline Issue | Guideline | Housing history reflects lates that do not meet guidelines |  | xxxx |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304754940 | 34445371 |  | Compliance | 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 $47,751.63 exceeds tolerance of $47,453.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | TN | 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 |
| 304754940 | 34445372 |  | Compliance | 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 $7,334.85 exceeds tolerance of $7,328.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | TN | 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 |
| 304754940 | 34445373 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304754940 | 34445374 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 08/14/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304754912 | 34445455 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $171.25 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/14/2025 |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304817735 | 34445485 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 08/07/2025 |  |  | 1 D A |  | TX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304817735 | 34445486 |  | 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 $192.00 exceeds tolerance of $162.00 plus 10% or $178.20. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 07/08/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304817735 | 34445487 |  | 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 $176.10 exceeds tolerance of $42.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 07/08/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304817735 | 34445488 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 C A |  | TX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304817735 | 34445489 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | xxxx |  |  |  | xxxx | 08/13/2025 |  |  | 1 C A |  | TX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304821159 | 34513378 |  | 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 $-1,021.85 exceeds tolerance of $-2,216.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/08/2025 |  |  | 1 C A |  | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304819632 | 34495435 |  | 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. | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819632 | 34495439 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Seven Day Waiting Period | TILA-RESPA Integrated Disclosure: Loan Estimate was not delivered or placed in the mail to the borrower at least seven (7) business days prior to closing. | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304822906 | 34496077 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304822906 | 34496129 |  | 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 Insurance Binder Fee. Fee Amount of $165.95 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/18/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304766849 | 34507249 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xx/xx/xxxx are overdisclosed. | xxxx |  |  |  | xxxx |  | 10/16/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304766849 | 34507250 |  | 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 xx/xx/xxxx are underdisclosed. | xxxx |  |  |  | xxxx |  | 10/16/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304766849 | 34507378 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 10/16/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304766849 | 34507381 |  | 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 xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 10/16/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304766849 | 34519815 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304828897 | 34518818 |  | 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. | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304827284 | 34517148 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304827284 | 34517157 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 10/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304825303 | 34518452 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304778002 | 34526532 |  | 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 $65.00 exceeds tolerance of $47.00 plus 10% or $51.70. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/23/2025 |  | 1 A |  | SC | Second Home | Purchase | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304778002 | 35120090 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | 768 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/01/2025 | 2 B |  | SC | Second Home | Purchase | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304821160 | 34525850 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304842867 | 34537707 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing Test | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304833148 | 34549895 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 10/06/2025 |  |  | 1 B A |  | TX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304828906 | 34549321 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304843026 | 34577287 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304843026 | 34577288 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304843026 | 34577289 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304843026 | 34577290 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304843026 | 34577291 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304843026 | 34577292 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304843026 | 34577293 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304843026 | 34577294 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304843026 | 34577295 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304833307 | 34581262 |  | 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 $-1,820.30 exceeds tolerance of $-6,103.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304833307 | 34728401 |  | Compliance | 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 $400.00 exceeds tolerance of $0.00. $400.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 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 |
| 304833307 | 34738984 |  | 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 $400.00 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/16/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304823334 | 34588518 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304827067 | 34588829 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | 39.54282% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/14/2025 | 2 C B |  | GA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840460 | 34596586 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840460 | 34596607 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304824903 | 34605944 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304824903 | 34606258 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | CA | Primary | Purchase | 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 |
| 304824903 | 34606259 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | xxxx |  |  |  | xxxx |  | 10/15/2025 |  | 2 C B |  | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304824903 | 34736119 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xx/xx/xxxx are overdisclosed. | xxxx |  |  |  | xxxx |  | 10/15/2025 |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304824903 | 34736120 |  | 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 xxxx on Final Closing Disclosure provided on xx/xx/xxxx are overdisclosed. | xxxx |  |  |  | xxxx |  | 10/15/2025 |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304824903 | 34736121 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 10/15/2025 |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304824903 | 34736122 |  | 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 xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 10/15/2025 |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304823441 | 34605373 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823441 | 34606896 |  | 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 $750.00 exceeds tolerance of $730.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/01/2025 |  | 1 A |  | UT | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304828158 | 34605168 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | KS | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304839410 | 34606531 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304839410 | 34606557 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304760530 | 34626198 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304760530 | 34626218 |  | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post xxxx, the subject property is in a flood zone, flood insurance is not escrowed. | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304760530 | 34626220 |  | 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. | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304760530 | 34626238 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 10/14/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304856451 | 34629742 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304856451 | 34629751 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  | xxxx |  |  |  | 2 B |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304834685 | 34636631 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304849254 | 34652237 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304817848 | 34650277 |  | 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 $700.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/06/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304817848 | 34650278 |  | 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 $362.55 exceeds tolerance of $299.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/06/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304839408 | 34687873 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Invalid MERS Min Number |  | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304826952 | 34650290 |  | Compliance | 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 $16,662.99 exceeds tolerance of $15,503.00. $1,159.99 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304826952 | 34650306 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304845613 | 34659627 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | GA | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304847760 | 34659723 |  | 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 $3,827.36 exceeds tolerance of $3,318.00 plus 10% or $3,649.80. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/07/2025 |  | 1 A |  | WA | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304840778 | 34659829 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 10/10/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304861648 | 34679699 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304866773 | 34673664 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 D A |  | SC | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304866772 | 34696685 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304866772 | 34696715 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304866767 | 34696425 |  | Compliance | 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 $1,030.00 exceeds tolerance of $1,000.00. $30.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 11/03/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304866768 | 34676113 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $285.00 exceeds tolerance of $135.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/08/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304866771 | 34672970 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx 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 xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/31/2025 |  | 2 C B |  | VA | 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 |
| 304866771 | 34672971 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx 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 $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/31/2025 |  | 2 C B |  | VA | 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 |
| 304866771 | 34672983 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | xxxx |  |  |  |  |  |  |  | 2 A B |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304866769 | 34710724 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xx/xx/xxxx 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. | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Good Faith Redisclosure C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304866769 | 34710725 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | GA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304866769 | 34807523 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-1,562.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304866769 | 34807524 |  | Compliance | 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 $568.40 exceeds tolerance of $0.00. $568.40 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304774687 | 34681910 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304774687 | 34681913 |  | 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. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304774687 | 34681914 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304860647 | 34675746 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | ID | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304860647 | 34675801 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score is above 680. | 728 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/22/2025 | 2 C B |  | ID | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304834684 | 34673174 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304834684 | 34673242 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304847550 | 34674478 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304847550 | 34674484 |  | 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. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304862187 | 34688037 |  | 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 $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/09/2025 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304862188 | 34685467 |  | 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 $155.00 exceeds tolerance of $110.00 plus 10% or $121.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/09/2025 |  | 1 A |  | ME | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304861649 | 34687235 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304849332 | 34686723 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | 36.97908% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/22/2025 | 2 C B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304849332 | 34687368 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304849332 | 34687369 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304849332 | 34687370 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304849332 | 34687372 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304849332 | 34687373 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304849332 | 34687796 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304849332 | 34687891 |  | 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. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304849332 | 34687892 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Partnership | General QM: Unable to verify Partnership income using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304849332 | 34687893 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Partnership | General QM: Unable to verify Partnership income using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304849332 | 34687894 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304849332 | 34735453 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304849332 | 34735454 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304817809 | 34700559 |  | 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 $920.00 exceeds tolerance of $900.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/10/2025 |  | 1 A |  | UT | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304817809 | 34700560 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $211.15 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/10/2025 |  | 1 A |  | UT | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304862189 | 34697606 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862189 | 34697878 |  | Compliance | 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 $125.00 exceeds tolerance of $0.00. $125.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304862189 | 34716304 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862189 | 34716399 |  | 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. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304862189 | 34716400 |  | 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 45.26951% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862189 | 34716401 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862185 | 34701682 |  | 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. | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 B A C |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304862185 | 34701683 |  | 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 48.54500% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862185 | 34701753 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862185 | 34701765 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862185 | 34701771 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 10/17/2025 |  |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862185 | 34701806 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862185 | 34716558 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862185 | 34716562 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862185 | 34716565 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862185 | 34716566 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304779560 | 34697033 |  | 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 $-7,569.60 exceeds tolerance of $-8,596.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/10/2025 |  | 1 A |  | CA | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304818303 | 34696122 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score is above 680. | Good credit and employment history. 13 months reserves | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/13/2025 | 2 B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304818303 | 34696192 |  | 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. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 B A C |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304818303 | 34696193 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304842868 | 34710476 |  | 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 $30.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/13/2025 |  | 1 A |  | IN | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304833298 | 34712640 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304839041 | 34711175 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304839041 | 34711176 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304839041 | 34711177 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304839041 | 34722803 |  | 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 $516.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/14/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304838963 | 34715381 |  | 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 $725.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/13/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304838963 | 34715382 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $228.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/13/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304855080 | 34714130 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304855080 | 34714165 |  | 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. | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304855080 | 34714166 |  | 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 53.57115% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304855080 | 34714167 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304855080 | 34714169 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/13/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304852323 | 34713322 |  | Compliance | 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 Origination Fee. Fee Amount of $10,000.38 exceeds tolerance of $0.00. $10,000.38 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304852323 | 34713324 |  | Compliance | 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 $275.00 exceeds tolerance of $235.00. $40.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304852323 | 34739178 |  | 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 $275.00 exceeds tolerance of $235.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/16/2025 |  | 1 A |  | CO | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304856531 | 34712625 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862191 | 34733209 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862191 | 34774274 |  | 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 $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/21/2025 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304827678 | 34729253 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $675.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/15/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304702259 | 34733751 |  | 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 $400.00 exceeds tolerance of $189.00 plus 10% or $207.90. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 06/06/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304702259 | 34733754 |  | 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. | xxxx |  |  |  | xxxx |  |  | 06/09/2025 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304702259 | 34733755 |  | 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. | xxxx |  |  |  | xxxx |  |  | 06/09/2025 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304750525 | 34733874 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 08/18/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304750525 | 34733878 |  | 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. | xxxx |  |  |  | xxxx | 08/27/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304750525 | 34733879 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304750525 | 34733880 |  | 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 $615.00 exceeds tolerance of $540.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/13/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304750525 | 34733881 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | xxxx |  |  |  | xxxx | 09/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304750525 | 34733882 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 08/27/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304750525 | 34733883 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 08/27/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304750525 | 34733884 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 08/27/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304750525 | 34733885 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Waterfall due to missing VVOE for both borrowers |  |  |  | xxxx | 08/27/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304750525 | 34733886 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 08/27/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304734157 | 34733890 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. |  | xxxx |  |  |  | xxxx |  |  | 09/02/2025 | 2 B |  | FL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304730822 | 34733893 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 08/27/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304730822 | 34733894 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | xxxx |  |  |  | xxxx | 08/27/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304730822 | 34733895 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 08/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304730822 | 34733897 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 09/04/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304755030 | 34733900 |  | Compliance | 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 $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/05/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304755030 | 34733902 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 08/25/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304755030 | 34733903 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 08/25/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304755030 | 34733904 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 08/27/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304755030 | 34733905 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 09/05/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304755030 | 34733906 |  | 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. | xxxx |  |  |  | xxxx | 09/08/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304755030 | 34733907 |  | 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. | xxxx |  |  |  | xxxx | 08/25/2025 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304755030 | 34733908 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule C | General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 08/25/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304754497 | 34733933 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 08/27/2025 |  |  | 1 D A |  | MA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304754497 | 34733934 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Third Party Verification is missing in file for xxxx. |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | MA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304754497 | 34733935 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | MA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304754497 | 34733936 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title policy/commitment does not reflect sufficient title insurance coverage |  | xxxx |  |  |  | xxxx | 09/09/2025 |  |  | 1 C A |  | MA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304754497 | 34733938 |  | 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. | xxxx |  |  |  | xxxx | 09/12/2025 |  |  | 1 B A C |  | MA | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304754497 | 34733939 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | MA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304754497 | 34733940 |  | 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 $580.00 exceeds tolerance of $440.00 plus 10% or $484.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 09/12/2025 |  | 2 C B |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304754497 | 34733941 |  | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. |  | xxxx |  |  |  | xxxx | 09/09/2025 |  |  | 1 C A |  | MA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304731040 | 34734019 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304731040 | 34734020 |  | 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. | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304731040 | 34734021 |  | 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. | xxxx |  |  |  | xxxx |  |  | 09/02/2025 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304731040 | 34734022 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 09/05/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304815978 | 34734076 |  | 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. | xxxx |  |  |  | xxxx | 09/02/2025 |  |  | 1 B A C |  | MA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304815978 | 34734080 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304815978 | 34734081 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xx/xx/xxxx disclosed an inaccurate APR of 6.59400% compared to the actual APR at consummation of 7.16306% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304815978 | 34734082 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | xxxx |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304815978 | 34734083 |  | Compliance | 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 $35.00 exceeds tolerance of $32.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/29/2025 |  |  | 1 C A |  | MA | 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 |
| 304815978 | 34734084 |  | 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 $35.00 exceeds tolerance of $32.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/29/2025 |  | 1 A |  | MA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304736188 | 34734130 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 09/25/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304736188 | 34734131 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304736188 | 34734132 |  | 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. | xxxx |  |  |  | xxxx |  |  | 09/04/2025 | 2 B |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304736188 | 34734134 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  | xxxx |  |  | 09/02/2025 | 2 B |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304736188 | 34734135 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  | xxxx |  |  | 09/02/2025 | 2 B |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304736188 | 34734136 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  | xxxx |  |  | 09/02/2025 | 2 B |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304736188 | 34734139 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx |  |  |  | xxxx | 09/04/2025 |  |  | 1 B A |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304769661 | 34734265 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 09/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304769661 | 34734266 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx |  |  |  | xxxx |  |  | 09/10/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304769661 | 34734267 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx |  |  |  | xxxx |  |  | 09/10/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304769661 | 34734268 |  | 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. | xxxx |  |  |  | xxxx | 09/12/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304769661 | 34734269 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  | xxxx |  |  | 09/30/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304769661 | 34734270 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  | xxxx |  |  | 09/30/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304769661 | 34734271 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  | xxxx |  |  | 09/30/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304769661 | 34734272 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  | xxxx |  |  | 09/30/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304769661 | 34734273 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  | xxxx |  |  | 09/09/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304769661 | 34734275 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/18/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304769661 | 34734277 |  | Credit | Missing Document | General | Missing Document | Missing Document: Tax Return Extension (for Business) not provided |  | xxxx |  |  |  | xxxx | 10/06/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304818702 | 34734413 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 09/24/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304818702 | 34734414 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require WVOE document for Borrower: xxxx to determine Bonus Income as unable to determine bonus income with paystubs as Ytd xxxx and Ytd xxxx bonus details for xxxx is not given in file. Compliance related |  |  |  | xxxx | 09/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304818702 | 34734415 |  | Credit | Missing Document | General | Missing Document | Missing Document: WVOE not provided |  | xxxx |  |  |  | xxxx | 09/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304818702 | 34734416 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304818702 | 34734417 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304818702 | 34734418 |  | 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. | xxxx |  |  |  | xxxx | 09/23/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304818702 | 34734420 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304818702 | 34734421 |  | 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 $14.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/15/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304818702 | 34734422 |  | Credit | Missing Document | General | Missing Document | Missing Document: Mortgage Differential Payment Letter not provided |  | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304817736 | 34734432 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 09/19/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304817736 | 34734435 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 09/19/2025 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304833069 | 34734440 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 09/19/2025 |  |  | 1 C A |  | DC | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304833069 | 34734442 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | DC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304826900 | 34734447 |  | 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 $125.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/12/2025 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304832983 | 34734489 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304832983 | 34734492 |  | 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. | xxxx |  |  |  | xxxx |  |  | 09/23/2025 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304832983 | 34734494 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304827075 | 34734498 |  | Compliance | TRID | Document Error | TRID | Loan Estimate: Dates are not in chronological order. |  | xxxx |  |  |  | xxxx | 09/30/2025 |  |  | 1 B A |  | UT | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304818431 | 34734504 |  | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  | xxxx |  |  |  | xxxx | 09/30/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840750 | 34734532 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide updated VVOE for B2 with correct last name. |  |  |  | xxxx | 09/24/2025 |  |  | 1 A |  | CA | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304838983 | 34734539 |  | Compliance | 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 $295.25 exceeds tolerance of $255.00. $40.25 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 09/26/2025 |  | 2 C B |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304838983 | 34734540 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | xxxx |  |  |  | xxxx | 09/24/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304816494 | 34734564 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Third Party Verification is missing in file for business xxxx. |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | IA | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304816494 | 34734565 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | VVOE - Employment Only is missing in file for co-borrower for employer of xxxx. |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | IA | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304816494 | 34734566 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | IA | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304816494 | 34734569 |  | 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. | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 B A |  | IA | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304816494 | 34734570 |  | 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. | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 B A C |  | IA | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304816494 | 34734571 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | IA | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840909 | 34738085 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304852975 | 34740149 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/16/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304839040 | 34738811 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | NM | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304839040 | 34740513 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide Final Closing Disclosure (fully executed) for REO reported as sold, xxxx. |  |  |  | xxxx | 10/17/2025 |  |  | 1 C A |  | NM | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304839040 | 34757151 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 1 A |  | NM | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304839040 | 34757182 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 A |  | NM | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304839040 | 34757212 |  | 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. | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 A |  | NM | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304839040 | 34757214 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 A |  | NM | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304752410 | 34743075 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304752410 | 34743076 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304752410 | 34743080 |  | 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. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304752410 | 34743081 |  | 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 50.13895% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304752410 | 34743083 |  | 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 $200.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/16/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304752410 | 34743084 |  | 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 $5,528.20 exceeds tolerance of $5,437.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/16/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304752410 | 34743100 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871575 | 34751037 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx 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 xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/10/2025 |  | 2 C B |  | FL | 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 |
| 304871575 | 34751038 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx 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 $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/10/2025 |  | 2 C B |  | FL | 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 |
| 304871575 | 34751039 |  | Compliance | 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 $925.00 exceeds tolerance of $800.00. $125.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304871572 | 34751161 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871572 | 34751378 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx 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 xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/14/2025 |  | 2 C B |  | PA | 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 |
| 304871572 | 34751379 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx 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 $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/14/2025 |  | 2 C B |  | PA | 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 |
| 304871571 | 34749674 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 11/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871571 | 34749742 |  | 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 $250.00 exceeds tolerance of $218.00 plus 10% or $239.80. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/17/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304871570 | 34760510 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx 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 xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/05/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | 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 |
| 304871570 | 34760511 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx 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 $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/05/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | 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 |
| 304871567 | 34750858 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | xxxx | 10/23/2025 |  |  | 1 D A |  | CA | Primary | Refinance - Rate/Term | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871565 | 34750136 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xx/xx/xxxx 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. | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | Good Faith Redisclosure C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304871565 | 34750137 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871564 | 34771921 |  | 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. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | 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 |
| 304871562 | 34751548 |  | Compliance | 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 $298.50 exceeds tolerance of $199.00. $99.50 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 10/31/2025 |  | 2 C B |  | CO | 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 |
| 304871561 | 34760449 |  | 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 $-15,961.33 exceeds tolerance of $-15,975.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 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 |
| 304872217 | 34760609 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | xxxx |  |  |  | xxxx | 10/22/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871559 | 34750395 |  | 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 $-11,210.40 exceeds tolerance of $-15,260.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | CO | 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 |
| 304871558 | 34750809 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score is above 680. | 771 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/30/2025 | 2 C B |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871558 | 34759141 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871558 | 34759148 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871558 | 34759151 |  | 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. | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 B A C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304871558 | 34759152 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871556 | 34752174 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | xxxx | 11/01/2025 |  |  | 1 D A |  | CA | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871556 | 34759207 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304872216 | 34760431 |  | 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 $250.00 exceeds tolerance of $216.00 plus 10% or $237.60. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/18/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304871553 | 34761512 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871545 | 34753062 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304871545 | 34753084 |  | 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 $159.00 exceeds tolerance of $73.00 plus 10% or $80.30. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 10/17/2025 |  | 1 A |  | CO | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304871543 | 34753268 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871543 | 34753269 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871543 | 34753373 |  | 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. | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304871543 | 34753374 |  | 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 50.19676% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871543 | 34753375 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871543 | 34753376 |  | 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 $895.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/17/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304871539 | 34757737 |  | 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 $187.00 exceeds tolerance of $160.00 plus 10% or $176.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/17/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304871539 | 34757738 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $425.00 exceeds tolerance of $325.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/17/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304871539 | 34759124 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871539 | 34759125 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871535 | 34751109 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 A B |  | FL | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871535 | 34751174 |  | 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 $6,832.06 exceeds tolerance of $6,793.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/17/2025 |  | 1 A |  | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304861658 | 34751907 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862192 | 34767454 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $350.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/21/2025 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304860653 | 34767704 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304860653 | 34767723 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304860653 | 34767724 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304860653 | 34767725 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862342 | 34776308 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/22/2025 |  | 1 A |  | CO | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304840459 | 34776402 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xx/xx/xxxx disclosed an inaccurate APR of 6.66500% compared to the actual APR at consummation of 6.81426% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840459 | 34776403 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | xxxx |  |  |  | xxxx | 10/23/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304856525 | 34776284 |  | 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 $875.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/22/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304867915 | 34777458 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304867915 | 34777459 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304867915 | 34777746 |  | 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 $665.00 exceeds tolerance of $515.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/22/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304846384 | 34794231 |  | 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 $-8,761.50 exceeds tolerance of $-9,404.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 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 |
| 304869216 | 34794489 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. |  | xxxx | The representative FICO score is above 680.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 783 credit score, minimum required is 680. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/24/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304846933 | 34803595 |  | Compliance | 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 $5,286.40 exceeds tolerance of $2,686.00. $2,600.40 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304846350 | 34803687 |  | 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 $130.20 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/27/2025 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304838964 | 34804493 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304858903 | 34803925 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/27/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304856532 | 34811182 |  | 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 $-367.50 exceeds tolerance of $-4,145.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304856532 | 34811183 |  | Compliance | 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 $250.00 exceeds tolerance of $0.00. $250.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304865443 | 34810217 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304865443 | 34810226 |  | 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 $1,350.00 exceeds tolerance of $675.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/28/2025 |  | 1 A |  | MI | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304841000 | 34850820 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304846542 | 34850595 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304846542 | 34850616 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | xxxx |  |  |  |  |  |  |  | 2 A B |  | TX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304846546 | 34852685 |  | 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 $95.00 exceeds tolerance of $94.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/30/2025 |  | 1 A |  | UT | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304856885 | 34853166 |  | 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 $127.54 exceeds tolerance of $90.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/30/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304865445 | 34869172 |  | 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 $895.00 exceeds tolerance of $805.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/31/2025 |  | 1 A |  | UT | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304860649 | 34872565 |  | 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 $-8,226.96 exceeds tolerance of $-10,717.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304858975 | 34892751 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304732198 | 35008599 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304732198 | 35008600 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304732198 | 35008601 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | xxxx |  |  |  | xxxx | 09/04/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304732198 | 35008602 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title policy/commitment does not reflect sufficient title insurance coverage |  | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304732198 | 35008603 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304732198 | 35008604 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 08/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304732198 | 35008605 |  | Compliance | 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 $1,780.90 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 09/29/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304732198 | 35008606 |  | 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. | xxxx |  |  |  | xxxx |  |  | 08/25/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304732198 | 35008609 |  | 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 xxxx on Final Closing Disclosure provided on xx/xx/xxxx are overdisclosed. |  |  |  |  | xxxx |  | 10/01/2025 |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304825651 | 35008639 |  | Compliance | 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 $725.00 exceeds tolerance of $700.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 10/02/2025 |  | 2 C B |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304825651 | 35008640 |  | Compliance | 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 $195.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 10/02/2025 |  | 2 C B |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304825651 | 35008641 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $49.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 10/02/2025 |  | 2 C B |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304825651 | 35008645 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrower qualified with IRA distribution income of $xxxx monthly evidence of 3 years continuance is missing. Provide xxxx assets. |  |  |  | xxxx | 09/17/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304825651 | 35008646 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 09/18/2025 |  |  | 1 C A |  | MD | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304825651 | 35008647 |  | 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. | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 B A C |  | MD | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304825651 | 35008648 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304820286 | 35008682 |  | Property | Valuation | Guideline | Valuation | Property is in a declining market. |  | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823390 | 35008686 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $362.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 10/06/2025 |  | 2 C B |  | CT | 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 |
| 304823390 | 35008687 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $75.00 exceeds tolerance of $70.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/19/2025 |  |  | 1 C A |  | CT | 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 |
| 304823390 | 35008690 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided |  | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304765406 | 35008782 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | xxxx | 10/01/2025 |  |  | 1 B A |  | UT | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304765406 | 35008784 |  | Compliance | 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 $16,415.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 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 B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304765406 | 35008785 |  | Compliance | 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 $2,000.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/06/2025 |  |  | 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 B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304765406 | 35008786 |  | Compliance | 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 $85.00 exceeds tolerance of $55.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 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 B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304765406 | 35008787 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Own/Rent was not provided |  | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 B A |  | UT | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304822786 | 35008862 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 A |  | UT | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304833577 | 35008871 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304843803 | 35008890 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. | xxxx |  |  |  | xxxx | 10/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304826029 | 35008894 |  | 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. | xxxx |  |  |  | xxxx | 09/30/2025 |  |  | 1 B A C |  | ME | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304826029 | 35008895 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. | xxxx |  |  |  | xxxx | 09/30/2025 |  |  | 1 C A |  | ME | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840938 | 35008915 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Issue: Ineligible borrower |  | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840938 | 35008917 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840158 | 35008946 |  | 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 xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  | xxxx |  |  | 09/30/2025 | 2 B |  | CA | Second Home | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304818636 | 35008996 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304848570 | 35009089 |  | 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 $785.00 exceeds tolerance of $695.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/01/2025 |  | 1 A |  | UT | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304848570 | 35009090 |  | 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 $115.00 exceeds tolerance of $110.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/01/2025 |  | 1 A |  | UT | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |

---

## Exhibit 99.4

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| **Customer Loan ID** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 304427823 | B | C | A | C | B | A | A | B |  |
| 304687317 | C | C | A | C | B | B | A | B |  |
| 304700208 | B | C | A | C | B | A | A | B |  |
| 304716576 | A | C | A | C | A | B | A | B |  |
| 304736176 | B | A | A | B | A | A | A | A |  |
| 304717969 | A | A | A | A | A | A | A | A |  |
| 304745023 | A | A | A | A | A | A | A | A |  |
| 304745031 | A | A | A | A | A | A | A | A |  |
| 304745025 | A | A | D B C | D B C | A | A | B | B |  |
| 304745020 | C | A | A | C | A | A | A | A |  |
| 304745033 | A | C | A | C | A | B | A | B |  |
| 304745026 | A | C | A | C | A | B | A | B |  |
| 304759791 | A | C | A | C | A | B | A | B |  |
| 304716512 | A | C | D B C | D C | A | A | B | B |  |
| 304731802 | A | C | A | C | A | B | A | B |  |
| 304764122 | C | C | A | C | A | A | A | A |  |
| 304755094 | C | C | A | C | A | B | A | B |  |
| 304768879 | C | C | A | C | A | B | A | B |  |
| 304734723 | C | A | A | C | A | A | A | A |  |
| 304769771 | A | B | A B | B | A | B | A B | B |  |
| 304769777 | A | A | A | A | A | A | A | A |  |
| 304760526 | C | A | A | C | A | A | A | A |  |
| 304730819 | A | C | A | C | A | B | A | B |  |
| 304730286 | A | C | A | C | A | A | A | A |  |
| 304751725 | A | A | A | A | A | A | A | A |  |
| 304756779 | A | A | A | A | A | A | A | A |  |
| 304765347 | A | A | A | A | A | A | A | A |  |
| 304777347 | A | A | A | A | A | A | A | A |  |
| 304756873 | C | A | A | C | A | A | A | A |  |
| 304764279 | A | A | A | A | A | A | A | A |  |
| 304758020 | A | C | A | C | A | B | A | B |  |
| 304767876 | A | C | A | C | A | A | A | A |  |
| 304768859 | A | A | A | A | A | A | A | A |  |
| 304765398 | A | A | A | A | A | A | A | A |  |
| 304767191 | C | C | A | C | A | A | A | A |  |
| 304758000 | A | A | A | A | A | A | A | A |  |
| 304757977 | A | C | A | C | A | B | A | B |  |
| 304766851 | A | A | A | A | A | A | A | A |  |
| 304758496 | A | A | A | A | A | A | A | A |  |
| 304763251 | A | A | D | D | A | A | A | A |  |
| 304757490 | A | A | A | A | A | A | A | A |  |
| 304768933 | A | A | A | A | A | A | A | A |  |
| 304817856 | A | A | A | A | A | A | A | A |  |
| 304732743 | C | A | A | C | A | A | A | A |  |
| 304776837 | A | A | A | A | A | A | A | A |  |
| 304813335 | A | C | A | C | A | A | A | A |  |
| 304769766 | B | B | A | B | B | B | A | B |  |
| 304760528 | A | C | A | C | A | A | A | A |  |
| 304732701 | A | C | A | C | A | B | A | B |  |
| 304820243 | A | B | A | B | A | B | A | B |  |
| 304754476 | A | A | A | A | A | A | A | A |  |
| 304815054 | A | A | A | A | A | A | A | A |  |
| 304777374 | A | A | A | A | A | A | A | A |  |
| 304822853 | B | A | A | B | B | A | A | B |  |
| 304821162 | A | B | A | B | A | B | A | B |  |
| 304779946 | A | A | A | A | A | A | A | A |  |
| 304818312 | A | C | A | C | A | A | A | A |  |
| 304818202 | A | A | A | A | A | A | A | A |  |
| 304819660 | A | B | A | B | A | B | A | B |  |
| 304757487 | A | A | A | A | A | A | A | A |  |
| 304766141 | C | B | A | C | B | B | A | B |  |
| 304833137 | A | A | A | A | A | A | A | A |  |
| 304822767 | A | A | A | A | A | A | A | A |  |
| 304779951 | A | C | A | C | A | A | A | A |  |
| 304821158 | C | C | A | C | A | A | A | A |  |
| 304756831 | A | C | A | C | A | A | A | A |  |
| 304733009 | C | A | A | C | A | A | A | A |  |
| 304732097 | C | C | A | C | A | B | A | B |  |
| 304747502 | C | B | A | C | A | B | A | B |  |
| 304754474 | A | A | A | A | A | A | A | A |  |
| 304731319 | C | C | A | C | A | A | A | A |  |
| 304754940 | C | C | A | C | A | A | A | A |  |
| 304754912 | A | A | A | A | A | A | A | A |  |
| 304817735 | C | A | D | D | A | A | A | A |  |
| 304821159 | A | C | A | C | A | A | A | A |  |
| 304819632 | A | C | A | C | A | A | A | A |  |
| 304822906 | C | A | A | C | A | A | A | A |  |
| 304820242 | A | A | A | A | A | A | A | A |  |
| 304825236 | A | A | A | A | A | A | A | A |  |
| 304766849 | C | C | A | C | A | B | A | B |  |
| 304828897 | A | C | A | C | A | A | A | A |  |
| 304833305 | A | A | A | A | A | A | A | A |  |
| 304827284 | C | A | B | C | A | A | B | B |  |
| 304819663 | A | A | A | A | A | A | A | A |  |
| 304825303 | B | A | A | B | B | A | A | B |  |
| 304778002 | A | A | A | A | B | A | A | B |  |
| 304775090 | A | A | A | A | A | A | A | A |  |
| 304826912 | A | A | A | A | A | A | A | A |  |
| 304838967 | A | A | A | A | A | A | A | A |  |
| 304824152 | A | A | A | A | A | A | A | A |  |
| 304838969 | A | A | A | A | A | A | A | A |  |
| 304821160 | C | A | A | C | A | A | A | A |  |
| 304842867 | A | B | A | B | A | B | A | B |  |
| 304838960 | A | A | A | A | A | A | A | A |  |
| 304833148 | B | A | A | B | A | A | A | A |  |
| 304828906 | A | B | A | B | A | B | A | B |  |
| 304843026 | A | B | A | B | A | B | A | B |  |
| 304833307 | A | C | A | C | A | A | A | A |  |
| 304847014 | A | A | A | A | A | A | A | A |  |
| 304823334 | A | C | A | C | A | A | A | A |  |
| 304823188 | A | A | A | A | A | A | A | A |  |
| 304827067 | C | A | A | C | B | A | A | B |  |
| 304852030 | A | A | A | A | A | A | A | A |  |
| 304840460 | B | B | A | B | B | B | A | B |  |
| 304844620 | A | A | A | A | A | A | A | A |  |
| 304834694 | A | A | A | A | A | A | A | A |  |
| 304824903 | A | C | A | C | A | B | A | B |  |
| 304823441 | B | A | A | B | B | A | A | B |  |
| 304828158 | B | A | A | B | B | A | A | B |  |
| 304839410 | B | B | A | B | B | B | A | B |  |
| 304760530 | C | B | A | C | A | A | A | A |  |
| 304856451 | C | B | A | C | A | B | A | B |  |
| 304838898 | A | A | A | A | A | A | A | A |  |
| 304822797 | A | A | A | A | A | A | A | A |  |
| 304834685 | A | C | A | C | A | A | A | A |  |
| 304843283 | A | A | A | A | A | A | A | A |  |
| 304849254 | B | A | A | B | B | A | A | B |  |
| 304817848 | A | A | A | A | A | A | A | A |  |
| 304839408 | C | A | A | C | A | A | A | A |  |
| 304826952 | A | C | A | C | A | A | A | A |  |
| 304829024 | A | A | A | A | A | A | A | A |  |
| 304840841 | A | A | A | A | A | A | A | A |  |
| 304845613 | C | A | A | C | A | A | A | A |  |
| 304838861 | A | A | A | A | A | A | A | A |  |
| 304848307 | A | A | A | A | A | A | A | A |  |
| 304847760 | A | A | A | A | A | A | A | A |  |
| 304840778 | C | A | A | C | A | A | A | A |  |
| 304841686 | A | A | A | A | A | A | A | A |  |
| 304861648 | A | B | A | B | A | B | A | B |  |
| 304866773 | A | A | D | D | A | A | A | A |  |
| 304866766 | A | A | A | A | A | A | A | A |  |
| 304866772 | C | B | A | C | A | B | A | B |  |
| 304866767 | A | C | A | C | A | B | A | B |  |
| 304866768 | A | A | A | A | A | A | A | A |  |
| 304866770 | A | A | A | A | A | A | A | A |  |
| 304866771 | A | C | A B | C | A | B | A B | B |  |
| 304866769 | A | C | A | C | A | A | A | A |  |
| 304774687 | C | C | A | C | A | A | A | A |  |
| 304860647 | C | A | A | C | B | A | A | B |  |
| 304834684 | B | B | A | B | B | B | A | B |  |
| 304847550 | A | C | A | C | A | A | A | A |  |
| 304840454 | A | A | A | A | A | A | A | A |  |
| 304828413 | A | A | A | A | A | A | A | A |  |
| 304834693 | A | A | A | A | A | A | A | A |  |
| 304841539 | A | A | A | A | A | A | A | A |  |
| 304838876 | A | A | A | A | A | A | A | A |  |
| 304848599 | A | A | A | A | A | A | A | A |  |
| 304862187 | A | A | A | A | A | A | A | A |  |
| 304862188 | A | A | A | A | A | A | A | A |  |
| 304843737 | A | A | A | A | A | A | A | A |  |
| 304861649 | C | A | A | C | A | A | A | A |  |
| 304849332 | C | C | A | C | B | B | A | B |  |
| 304839407 | A | A | A | A | A | A | A | A |  |
| 304852026 | A | A | A | A | A | A | A | A |  |
| 304843851 | A | A | A | A | A | A | A | A |  |
| 304817809 | A | A | A | A | A | A | A | A |  |
| 304862189 | C | C | A | C | A | A | A | A |  |
| 304862185 | C | C | A | C | A | A | A | A |  |
| 304848602 | A | A | A | A | A | A | A | A |  |
| 304779560 | A | A | A | A | A | A | A | A |  |
| 304818303 | B | C | A | C | B | A | A | B |  |
| 304828412 | A | A | A | A | A | A | A | A |  |
| 304840917 | A | A | A | A | A | A | A | A |  |
| 304842868 | A | A | A | A | A | A | A | A |  |
| 304833298 | B | A | A | B | B | A | A | B |  |
| 304839041 | A | B | A | B | A | B | A | B |  |
| 304838963 | A | A | A | A | A | A | A | A |  |
| 304855080 | C | C | A | C | A | A | A | A |  |
| 304852323 | A | C | A | C | A | A | A | A |  |
| 304840213 | A | A | A | A | A | A | A | A |  |
| 304856531 | A | B | A | B | A | B | A | B |  |
| 304862191 | A | A | C | C | A | A | A | A |  |
| 304827678 | A | A | A | A | A | A | A | A |  |
| 304702259 | A | B | A | B | A | B | A | B |  |
| 304750525 | C | C | A | C | A | A | A | A |  |
| 304734157 | A | B | A | B | A | B | A | B |  |
| 304730822 | C | A | A | C | A | A | A | A |  |
| 304755030 | C | C | A | C | A | A | A | A |  |
| 304754497 | C | C | D | D | A | B | A | B |  |
| 304731040 | B | C | A | C | A | B | A | B |  |
| 304815978 | A | C | A | C | A | A | A | A |  |
| 304736188 | C | B | C | C | A | B | A | B |  |
| 304765361 | A | A | A | A | A | A | A | A |  |
| 304769661 | C | C | A | C | A | B | A | B |  |
| 304818702 | C | C | A | C | A | A | A | A |  |
| 304817736 | C | C | A | C | A | A | A | A |  |
| 304833069 | C | C | A | C | A | A | A | A |  |
| 304826900 | A | A | A | A | A | A | A | A |  |
| 304826826 | A | A | A | A | A | A | A | A |  |
| 304816399 | A | A | A | A | A | A | A | A |  |
| 304832983 | C | B | A | C | A | B | A | B |  |
| 304827075 | A | B | A | B | A | A | A | A |  |
| 304818431 | C | A | A | C | A | A | A | A |  |
| 304840750 | A | A | A | A | A | A | A | A |  |
| 304838983 | C | C | A | C | A | B | A | B |  |
| 304816494 | C | C | A | C | A | A | A | A |  |
| 304829025 | A | A | A | A | A | A | A | A |  |
| 304840909 | B | A | A | B | B | A | A | B |  |
| 304852975 | A | A | A | A | A | A | A | A |  |
| 304839040 | C | C | A | C | A | A | A | A |  |
| 304752410 | C | C | A | C | A | A | A | A |  |
| 304871575 | A | C | A | C | A | B | A | B |  |
| 304871573 | A | A | A | A | A | A | A | A |  |
| 304871572 | C | C | A | C | A | B | A | B |  |
| 304871571 | C | A | A | C | A | A | A | A |  |
| 304871570 | A | C | A | C | A | B | A | B |  |
| 304871569 | A | A | A | A | A | A | A | A |  |
| 304871568 | A | A | A | A | A | A | A | A |  |
| 304871567 | A | A | D | D | A | A | A | A |  |
| 304871566 | A | A | A | A | A | A | A | A |  |
| 304871565 | A | C | A | C | A | A | A | A |  |
| 304871564 | A | B | A | B | A | B | A | B |  |
| 304871563 | A | A | A | A | A | A | A | A |  |
| 304871562 | A | C | A | C | A | B | A | B |  |
| 304871561 | A | C | A | C | A | A | A | A |  |
| 304871560 | A | A | A | A | A | A | A | A |  |
| 304872217 | C | A | A | C | A | A | A | A |  |
| 304871559 | A | C | A | C | A | A | A | A |  |
| 304871558 | C | C | A | C | B | A | A | B |  |
| 304871557 | A | A | A | A | A | A | A | A |  |
| 304871556 | C | A | D | D | A | A | A | A |  |
| 304872216 | A | A | A | A | A | A | A | A |  |
| 304871555 | A | A | A | A | A | A | A | A |  |
| 304871554 | A | A | A | A | A | A | A | A |  |
| 304871553 | A | B | A | B | A | B | A | B |  |
| 304871551 | A | A | A | A | A | A | A | A |  |
| 304871545 | A | B | A | B | A | B | A | B |  |
| 304871543 | C | C | A | C | A | A | A | A |  |
| 304871539 | A | B | A | B | A | B | A | B |  |
| 304871535 | A | A | A B | A B | A | A | A B | A B |  |
| 304861658 | C | A | A | C | A | A | A | A |  |
| 304840461 | A | A | A | A | A | A | A | A |  |
| 304850685 | A | A | A | A | A | A | A | A |  |
| 304855014 | A | A | A | A | A | A | A | A |  |
| 304828152 | A | A | A | A | A | A | A | A |  |
| 304834689 | A | A | A | A | A | A | A | A |  |
| 304858900 | A | A | A | A | A | A | A | A |  |
| 304858977 | A | A | A | A | A | A | A | A |  |
| 304862192 | A | A | A | A | A | A | A | A |  |
| 304860653 | B | B | A | B | B | B | A | B |  |
| 304840457 | A | A | A | A | A | A | A | A |  |
| 304848306 | A | A | A | A | A | A | A | A |  |
| 304862342 | A | A | A | A | A | A | A | A |  |
| 304840459 | A | C | A | C | A | A | A | A |  |
| 304856525 | A | A | A | A | A | A | A | A |  |
| 304856889 | A | A | A | A | A | A | A | A |  |
| 304858319 | A | A | A | A | A | A | A | A |  |
| 304860234 | A | A | A | A | A | A | A | A |  |
| 304867915 | A | C | A | C | A | B | A | B |  |
| 304856888 | A | A | A | A | A | A | A | A |  |
| 304846384 | A | C | A | C | A | A | A | A |  |
| 304869216 | B | A | A | B | B | A | A | B |  |
| 304846933 | A | C | A | C | A | A | A | A |  |
| 304846350 | A | A | A | A | A | A | A | A |  |
| 304838964 | B | A | A | B | B | A | A | B |  |
| 304858903 | A | A | A | A | A | A | A | A |  |
| 304856532 | A | C | A | C | A | A | A | A |  |
| 304865443 | B | A | A | B | B | A | A | B |  |
| 304846553 | A | A | A | A | A | A | A | A |  |
| 304865151 | A | A | A | A | A | A | A | A |  |
| 304865149 | A | A | A | A | A | A | A | A |  |
| 304855081 | A | A | A | A | A | A | A | A |  |
| 304841000 | A | B | A | B | A | B | A | B |  |
| 304865153 | A | A | A | A | A | A | A | A |  |
| 304846542 | B | A | A B | B | B | A | A B | B |  |
| 304862190 | A | A | A | A | A | A | A | A |  |
| 304846546 | A | A | A | A | A | A | A | A |  |
| 304856885 | A | A | A | A | A | A | A | A |  |
| 304861523 | A | A | A | A | A | A | A | A |  |
| 304862152 | A | A | A | A | A | A | A | A |  |
| 304865445 | A | A | A | A | A | A | A | A |  |
| 304860649 | A | C | A | C | A | A | A | A |  |
| 304858975 | A | B | A | B | A | B | A | B |  |
| 304858321 | A | A | A | A | A | A | A | A |  |
| 304865095 | A | A | A | A | A | A | A | A |  |
| 304732198 | C | C | A | C | A | B | A | B |  |
| 304825651 | C | C | A | C | A | B | A | B |  |
| 304820286 | A | A | C | C | A | A | A | A |  |
| 304823390 | A | C | A | C | A | B | A | B |  |
| 304765406 | B | C | A | C | A | A | A | A |  |
| 304822786 | A | A | A | A | A | A | A | A |  |
| 304833577 | C | A | A | C | A | A | A | A |  |
| 304843803 | A | C | A | C | A | A | A | A |  |
| 304826029 | A | C | A | C | A | A | A | A |  |
| 304840938 | C | A | A | C | A | A | A | A |  |
| 304840158 | A | B | A | B | A | B | A | B |  |
| 304818636 | C | A | A | C | A | A | A | A |  |
| 304839034 | A | A | A | A | A | A | A | A |  |
| 304848570 | A | A | A | A | A | A | A | A |  |

---

## Exhibit 99.5

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **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** |
| 304427823 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.80 |
| 304687317 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304700208 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304716576 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 304736176 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.40 |
| 304717969 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.40 |
| 304745023 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 304745031 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304745025 |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 11.420% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304745020 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304745033 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| 304745026 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304759791 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 304716512 |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -0.020% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.020% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304731802 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 304764122 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304755094 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 304768879 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304734723 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.90 |
| 304769771 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -13.930% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769777 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.880% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304760526 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 304730819 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.00 |
| 304730286 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.90 |
| 304751725 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.340% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304756779 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.20 |
| 304765347 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.930% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 304777347 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.750% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304756873 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.340% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.10 |
| 304764279 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| 304758020 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| 304767876 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304768859 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.80 |
| 304765398 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304767191 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 304758000 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| 304757977 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.440% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.440% |  |  |  |  |  |  |  |  | No | 4.50 | 4.00 |
| 304766851 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304758496 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.300% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304763251 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304757490 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304768933 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.10 |
| 304817856 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304732743 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.50 |
| 304776837 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.20 |
| 304813335 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304769766 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.950% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304760528 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304732701 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.260% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.80 |
| 304820243 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304754476 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.970% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304815054 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304777374 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.460% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 5.00 |
| 304822853 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304821162 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.540% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.60 |
| 304779946 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304818312 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304818202 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| 304819660 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304757487 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| 304766141 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304833137 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304822767 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 304779951 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.350% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.350% |  |  |  |  |  |  |  |  | No |  |  |
| 304821158 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 304756831 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304733009 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |  |
| 304732097 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.850% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304747502 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304754474 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304731319 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304754940 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 304754912 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 304817735 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304821159 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.240% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304819632 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304822906 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304820242 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 304825236 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.00 |
| 304766849 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.760% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304828897 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.80 |
| 304833305 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304827284 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 |
| 304819663 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 304825303 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304778002 |  |  |  |  |  |  | 1.400% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
| 304775090 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 20.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.00 |
| 304826912 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.50 |
| 304838967 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 304824152 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| 304838969 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304821160 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.70 |
| 304842867 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.130% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304838960 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.800% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| 304833148 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304828906 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304843026 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 304833307 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304847014 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 304823334 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304823188 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 |
| 304827067 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.700% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| 304852030 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 304840460 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.460% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.00 |
| 304844620 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 304834694 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| 304824903 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304823441 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304828158 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 304839410 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304760530 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304856451 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 304838898 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.30 |
| 304822797 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 304834685 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.30 |
| 304843283 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304849254 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304817848 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| 304839408 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| 304826952 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 304829024 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| 304840841 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| 304845613 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.40 |
| 304838861 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304848307 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.900% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.900% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847760 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| 304840778 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| 304841686 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| 304861648 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304866773 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.330% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 |
| 304866766 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| 304866772 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.360% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| 304866767 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
| 304866768 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.190% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.70 |
| 304866770 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.380% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.80 |
| 304866771 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -10.680% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.70 |
| 304866769 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.370% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.40 |
| 304774687 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 304860647 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304834684 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304847550 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304840454 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| 304828413 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304834693 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| 304841539 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.70 |
| 304838876 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304848599 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.70 |
| 304862187 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.00 |
| 304862188 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.70 |
| 304843737 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 304861649 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.290% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 304849332 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.400% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 304839407 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -10.900% |  |  | AVM |  | 0.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304852026 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304843851 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.20 |
| 304817809 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| 304862189 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 304862185 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 304848602 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304779560 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304818303 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304828412 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| 304840917 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.060% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304842868 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.560% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304833298 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304839041 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304838963 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.220% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.40 |
| 304855080 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304852323 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304840213 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.280% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| 304856531 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304862191 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.90 |
| 304827678 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.990% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304702259 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304750525 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 304734157 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304730822 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304755030 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304754497 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304731040 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.880% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304815978 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304736188 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.690% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 304765361 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.610% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304769661 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 19.440% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304818702 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304817736 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304833069 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304826900 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304826826 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| 304816399 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304832983 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304827075 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304818431 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 304840750 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| 304838983 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304816494 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 304829025 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.030% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 304840909 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304852975 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304839040 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304752410 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 304871575 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.50 |
| 304871573 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304871572 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304871571 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.480% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304871570 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.980% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.40 |
| 304871569 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.280% |  |  | AVM |  | 0.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.70 |
| 304871568 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 304871567 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304871566 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304871565 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| 304871564 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.400% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.90 |
| 304871563 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.460% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.70 |
| 304871562 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.930% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| 304871561 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.740% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.20 |
| 304871560 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| 304872217 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.220% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 304871559 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.270% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| 304871558 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.020% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 5.00 |
| 304871557 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.150% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304871556 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.810% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.810% |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 304872216 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.110% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 |
| 304871555 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 304871554 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.50 |
| 304871553 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| 304871551 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 304871545 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.820% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -23.550% |  |  |  |  |  |  |  |  | No | 5.00 | 2.40 |
| 304871543 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 304871539 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304871535 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -10.900% |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -10.900% |  |  |  |  |  |  |  |  | No | 3.00 | 2.90 |
| 304861658 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304840461 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.650% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.650% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304850685 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304855014 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304828152 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.860% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.860% |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.00 |
| 304834689 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304858900 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.510% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.80 |
| 304858977 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304862192 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| 304860653 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 304840457 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304848306 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304862342 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
| 304840459 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.980% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304856525 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| 304856889 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304858319 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| 304860234 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304867915 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 304856888 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 |
| 304846384 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.180% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.90 |
| 304869216 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| 304846933 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| 304846350 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304838964 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.730% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.730% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304858903 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| 304856532 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.380% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304865443 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304846553 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| 304865151 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.950% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.950% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304865149 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304855081 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304841000 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 304865153 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| 304846542 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -25.470% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -25.470% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304862190 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.40 |
| 304846546 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304856885 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304861523 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.860% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304862152 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304865445 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304860649 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304858975 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304858321 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| 304865095 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304732198 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| 304825651 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304820286 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304823390 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304765406 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.260% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| 304822786 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 304833577 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.550% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304843803 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304826029 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |  |
| 304840938 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304840158 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.820% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304818636 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | -100.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304839034 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |  |
| 304848570 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |

---

## Exhibit 99.6

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.6**

![](calogo.jpg)

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association through a bulk purchase. The review included a total of eight residential mortgage loans, in connection with the securitization identified as JPMMT 2025-11 (the "Securitization"). The Review was conducted in April 2025 and September 2025 on mortgage loans originated between March 2025 and July 2025.

**Scope of Review**

**Credit Review**

Consolidated Analytics performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. QM
or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate all concurrent loans are included in the DTI to properly assess
the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage Related Obligations : PITI, HOA, PMI, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI and/or Residual Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate debt-to-income ratio (DTI) based upon income and debt documentation
provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review credit report for credit history and required credit depth including
any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
through third party resource of the subject properties most recent twelve (12) month sales history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
sufficient evidence in loan file, by reviewing the underwriter's decision to approve the loan based upon the borrows income, debt,
and credit history, to support borrower's willingness and ability to repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Provide
Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm
Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
condominium questionnaire to verify all information is complete, prepared by an authorized representative, and address any red flags
that may deem condominium project ineligible

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. General
QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing
for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first lien covered transaction with a loan amount greater than or equal to $66,156 but less
than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing
for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing
for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first lien covered transaction secured by a manufactured home1 with a loan amount equal
to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than $110,260.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's current or reasonably expected income or assets (other than the value of the dwelling
that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification
requirement. A creditor is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline
per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the **verification** requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10,
2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy
Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single
Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family Guaranteed
Loan Program, revised March 19, 2020.

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID
Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by
TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal High-Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local and/or State Anti-predatory and High-Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine whether specified federal disclosures were provided timely based upon comparison of the application
date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the correct Right of Rescission document was executed for the transaction
type

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm through NMLS the loan originator and originating firm's license status was active and properly
disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the
Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review closing documents to ensure that the Mortgage Loan information is complete, accurate, and consistent
with other documents; Confirm collateral documents have been recorded or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review original appraisal, determination that property is in "average" condition or better,
or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability. Should an area of concern be
identified with the condition of the property, Consolidated Analytics will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review appraisal, determination that property is completely constructed and appraisal is on an "as
is basis," or property is identified as not completely constructed by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser
indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review and determine the relevance of the comparable properties and ensure that a rational and reliable
value was provided and supported as of the effective date of the Origination Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where applicable, determine if the file did not contain the appraisal or other valuation method and a
review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional valuation products were not required when the CU score provided was 2.5 or below or the Federal
Home Loan Mortgage Corporation Loan Collateral Advisor appraisal ("LCA") risk score was eligible for Collateral Rep and Warranty
relief. In the event the CU score was greater than 2.5 or the LCA appraisal risk score was not eligible for Collateral Rep and Warranty
relief, an additional valuation product was obtained to confirm value was supported within 10% tolerance. In some instances, based on
guidance from the seller, CDA's were ordered on loans that had an acceptable CU score or Collateral Rep and Warranty relief eligibility.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product.

For loans reviewed in a post-close valuation review scenario (four loans in total):

Six (6) loans had a Desktop Review, and zero (0) loans had an AVM. Consolidated Analytics has independent access to the Desktop Review ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or the AVM FSD score did not meet allowable thresholds, then a Desktop Review, Field Review, Broker Price Opinion (BPO) along with a Reconciliation of the value, or a 2nd appraisal was required.

There were zero (0) occurrences of this.

**Product totals may not sum due to multiple products for each loan**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the eight (8) mortgage loans reviewed, eight (8) unique mortgage loans (100.00% by loan count) had a total of fourteen (14) tape discrepancies across eight (8) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Total Qualified Assets Post-Close | 7 | 50.00% |
| Property Type | 1 | 7.14% |
| Number of Borrowers | 1 | 7.14% |
| Borrower 1 Self-Employment Flag | 1 | 7.14% |
| Total Monthly Property Insurance Amount | 1 | 7.14% |
| Borrower 2 Self-Employment Flag | 1 | 7.14% |
| Application Date | 1 | 7.14% |
| Closing/Settlement Date | 1 | 7.14% |
| **Grand Total** | **14** | **100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| **Event Grade** | **Loan Count** | **Loan Count** | **Original Principal Balance** | **Original Principal Balance** | **Original Principal Balance** | **Percent of Sample** |
| Event Grade A | 7 | 7 | $7650350.00 | $7650350.00 | $7650350.00 | 87.50% |
| Event Grade B | 1 | 1 | $917755.00 | $917755.00 | $917755.00 | 12.50% |
| Event Grade C | 0 | 0 | $0.00 | $0.00 | $0.00 | 0% |
| Event Grade D | 0 | 0 | $0.00 | $0.00 | $0.00 | 0% |
| **Total Sample** | 8 | 8 | $8568105.00 | $8568105.00 | $8568105.00 | 100.00% |
| <br> **Credit Results:** | <br> **Credit Results:** | <br> **Credit Results:** | <br> **Credit Results:** | <br> **Credit Results:** | <br> **Credit Results:** |  |
| **Event Grade** | **Loan Count** | **Loan Count** | **Loan Count** | **Percent of Sample** | **Percent of Sample** |  |
| Event Grade A | 7 | 7 | 7 | 87.50% | 87.50% |  |
| Event Grade B | 1 | 1 | 1 | 12.50% | 12.50% |  |
| Event Grade C | 0 | 0 | 0 | 0% | 0% |  |
| Event Grade D | 0 | 0 | 0 | 0% | 0% |  |
| **Total Sample** | 8 | 8 | 8 | 100.00% | 100.00% |  |
| <br> **Compliance Results:** | <br> **Compliance Results:** | <br> **Compliance Results:** | <br> **Compliance Results:** | <br> **Compliance Results:** | <br> **Compliance Results:** |  |
| **Event Grade** | **Loan Count** | **Loan Count** | **Percent of Sample** | **Percent of Sample** | **Percent of Sample** |  |
| Event Grade A | 8 | 8 | 100.00% | 100.00% | 100.00% |  |
| Event Grade B | 0 | 0 | 0% | 0% | 0% |  |
| Event Grade C | 0 | 0 | 0% | 0% | 0% |  |
| Event Grade D | 0 | 0 | 0% | 0% | 0% |  |
| **Total Sample** | 8 | 8 | 100.00% | 100.00% | 100.00% |  |
| <br> **Valuation Results:** | <br> **Valuation Results:** | <br> **Valuation Results:** | <br> **Valuation Results:** | <br> **Valuation Results:** | <br> **Valuation Results:** |  |
| **Event Grade** | **Event Grade** | **Loan Count** | **Loan Count** | **Loan Count** | **Percent of Sample** |  |
| Event Grade A | Event Grade A | 8 | 8 | 8 | 100.00% |  |
| Event Grade B | Event Grade B | 0 | 0 | 0 | 0% |  |
| Event Grade C | Event Grade C | 0 | 0 | 0 | 0% |  |
| Event Grade D | Event Grade D | 0 | 0 | 0 | 0% |  |
| **Total Sample** | **Total Sample** | 8 | 8 | 8 | 100.00% |  |

---

 **Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Exception Level Grade** | **Exception Category** | **Total** |
| Credit | A | No Credit Findings | 6 |
| Credit | A | Missing VVOE dated within 10 days consummation | 1 |
| Credit | A | ***Total Credit Grade (A) Exceptions:*** | **7** |
| Credit | B | Audited DTI Exceeds Guideline DTI | 1 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | **1** |
| Compliance | A | No Compliance Findings | 6 |
| Compliance | A | Charges That Cannot Increase Test | 2 |
| Compliance | A | ***Total Compliance Grade (A) Exceptions:*** | **8** |
| Property | A | No Property Findings | 7 |
| Property | A | Third Party Valuation Product Not Provided within 10% Tolerance | 1 |
| Property | A | ***Total Property Grade (A) Exceptions:*** | **8** |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| **Final Loan Grade** | **Final Loan Grade** |
| A | Loan meets Credit, Compliance, and Valuation Guidelines |
| B | The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| C | The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| D | Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| **Credit Event Grades** | **Credit Event Grades** |
| A | The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| B | The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| C | The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| D | There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| **Compliance Event Grades** | **Compliance Event Grades** |
| A | The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| B | The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| C | The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| D | There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| **Valuation Event Grades** | **Valuation Event Grades** |
| A | The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| B | The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| C | The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| D | The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.7

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.7**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 304695173 | XXXXX | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | verified on the initial 1003 |
| 304695173 | XXXXX | XXXXX | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | verified on the final CD |
| 304695173 | XXXXX | XXXXX | Number of Borrowers | XXX | XXX | 2 borrowers verified on the application and the note |
| 304695173 | XXXXX | XXXXX | Property Type | XXX | XXX | condominium is verified on the appraisal |
| 304679670 | XXXXX | XXXXX | Total Qualified Assets Post-Close | XXX | XXX | Per the Bank Statements, the Total Qualified Asset Post Close has been verified. |
| 304822724 | XXXXX | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | updated per income docs |
| 304822724 | XXXXX | XXXXX | Total Qualified Assets Post-Close | XXX | XXX | updated per bank statements in file |
| 304822718 | XXXXX | XXXXX | Total Qualified Assets Post-Close | XXX | XXX | Audited |
| 304822714 | XXXXX | XXXXX | Total Monthly Property Insurance Amount | XXX | XXX | Verified by the HOI |
| 304822714 | XXXXX | XXXXX | Total Qualified Assets Post-Close | XXX | XXX | Verified by the assets |
| 304822713 | XXXXX | XXXXX | Total Qualified Assets Post-Close | XXX | XXX | updated per asset statements |
| 304822707 | XXXXX | XXXXX | Borrower 2 Self-Employment Flag | XXX | XXX | updated per income docs for qualifying |
| 304822707 | XXXXX | XXXXX | Total Qualified Assets Post-Close | XXX | XXX | updated per asset docs/ guidelines |
| 304822704 | XXXXX | XXXXX | Total Qualified Assets Post-Close | XXX | XXX | Per assets in file |

---

## Exhibit 99.8

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.8**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **Customer Loan ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
| XXX | XXXXX | 304695173 | FPRO9990 | 06/02/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Not in file CU score is 2.6 | Document Uploaded. ; Per UW on this program -- FNMA Risk Score of 3.5+ requires a second level review and desk review. Please advise as CU score is 2.6. | Third party valuation product provided within tolerance.; An Appraisal Risk Review for the subject property was received. ; ; According to the SSR Report the CU score is 2.6. A Third party valuation is missing. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% | Resolved | 06/02/2025 | C A |
| XXX | XXXXX | 304695173 | FCRE8999 | 05/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.29% is less than Guideline LTV of 64.29% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.29% is less than Guideline CLTV of 64.29% | Resolved | 05/05/2025 | A |
| XXX | XXXXX | 304695173 | FCOM8997 | 05/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.29% is less than Guideline LTV of 64.29% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.29% is less than Guideline CLTV of 64.29% | Resolved | 05/05/2025 | A |
| XXX | XXXXX | 304679670 | FCRE1193 | 04/09/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% XXX purchase criteria permits maximum DTI of XXX% for 85%LTV/CLTV. |  | Received Client response permitting DTI to XXX% supported by LP Accept. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No C B |
| XXX | XXXXX | 304679670 | FCOM8997 | 04/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/07/2025 | A |
| XXX | XXXXX | 304679670 | FPRO8998 | 04/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/07/2025 | A |
| XXX | XXXXX | 304822724 | 123ABJ | 09/08/2025 | Credit | Missing Doc | Missing VVOE dated within XXX days consummation | Borrower 2 VVOE is dated XX/XX/XXXX which is not within XXX days of closing. Unable to find another more recently dated in the file. | VOE | Updated VVOE provided. Condition cleared. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/08/2025 | D A |
| XXX | XXXXX | 304822724 | finding-3634 | 09/02/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Rate was extended and escrows waived. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved; This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX on the CD dated XX/XX/XXXX to XXX on the final CD dated XX/XX/XXXX for the loan discount points. COC was not found in file. There is a cure of XXX which has not been applied, leaving a total remaining cure due of $XXX. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/02/2025 | C A |
| XXX | XXXXX | 304822724 | FPRO8998 | 08/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/28/2025 | A |
| XXX | XXXXX | 304822718 | FCRE8999 | 08/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.29% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.29% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/28/2025 | A |
| XXX | XXXXX | 304822718 | FPRO8998 | 08/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.7% is less than Guideline LTV of 59.7% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.7% is less than Guideline CLTV of 59.7% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/28/2025 | A |
| XXX | XXXXX | 304822718 | FCOM8997 | 08/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.7% is less than Guideline LTV of 59.7% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.7% is less than Guideline CLTV of 59.7% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/28/2025 | A |
| XXX | XXXXX | 304822714 | FCRE8999 | 08/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.7% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.7% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/28/2025 | A |
| XXX | XXXXX | 304822714 | FPRO8998 | 08/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.88% is less than Guideline CLTV of 61.88% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 61.88% is less than Guideline CCLTV of 61.88% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/28/2025 | A |
| XXX | XXXXX | 304822714 | FCOM8997 | 08/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.88% is less than Guideline CLTV of 61.88% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 61.88% is less than Guideline CCLTV of 61.88% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 08/28/2025 | A |
| XXX | XXXXX | 304822713 | finding-3634 | 09/02/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Tolerance is due to increased Discount Points Fee on the CD issued XX/XX/XXXX without a valid reason. | COC | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.88% is less than Guideline LTV of 61.88% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.88% is less than Guideline LTV of 56.8% | Resolved | 09/02/2025 | C A |
| XXX | XXXXX | 304822713 | FCRE8999 | 08/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated LTV of 56.8% is less than Guideline LTV of 56.8% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.8% is less than Guideline LTV of 56.8% | Resolved | 08/29/2025 | A |
| XXX | XXXXX | 304822713 | FPRO8998 | 08/29/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated LTV of 56.8% is less than Guideline LTV of 56.8% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.8% is less than Guideline LTV of 56.8% | Resolved | 08/29/2025 | A |
| XXX | XXXXX | 304822707 | FPRO8998 | 08/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.8% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.8% is less than Guideline CLTV of 70% | Resolved | 08/28/2025 | A |
| XXX | XXXXX | 304822707 | FCOM8997 | 08/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.06% is less than Guideline LTV of 47.06% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.06% is less than Guideline CLTV of 47.06% | Resolved | 08/28/2025 | A |
| XXX | XXXXX | 304822707 | FCRE8999 | 08/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.06% is less than Guideline LTV of 47.06% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.06% is less than Guideline CLTV of 47.06% | Resolved | 08/28/2025 | A |
| XXX | XXXXX | 304822704 | FCRE8999 | 08/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.06% is less than Guideline CLTV of 47.06% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.06% is less than Guideline CCLTV of 47.06% | Resolved | 08/28/2025 | A |
| XXX | XXXXX | 304822704 | FPRO8998 | 08/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original CLTV is Below the Guideline Maximum - Calculated C##XXX## is less than Guideline C##XXX## | Resolved | 08/28/2025 | A |
| XXX | XXXXX | 304822704 | FCOM8997 | 08/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original CLTV is Below the Guideline Maximum - Calculated C##XXX## is less than Guideline C##XXX## | Resolved | 08/28/2025 | A |

---

## Exhibit 99.9

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.9**

---

| | | | |
|:---|:---|:---|:---|
| **Customer Loan ID** | **Seller Loan ID** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 304695173 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304679670 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304822724 | XXXXX D A C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304822718 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304822714 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304822713 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304822707 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304822704 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |

---

## Exhibit 99.10

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.10**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 304695173 | XXXXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | NA | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304679670 | XXXXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304822724 | XXXXX | XXXXX | XX/XX/XXXX | XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 71.0 | 71.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304822718 | XXXXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 64.29 | 64.29 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304822714 | XXXXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 59.7 | 59.7 |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 304822713 | XXXXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 61.88 | 61.88 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 304822707 | XXXXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 56.8 | 56.8 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304822704 | XXXXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 47.06 | 47.06 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |

---

## Exhibit 99.11

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.11**

Executive Summary

**4. Description of the Due Diligence Services**

**1.** **Type of Assets Reviewed** 

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loans reviewed were originated from July 2025 to September 2025 and were collateralized by residential real estate. The loans were acquired by JPMorgan Chase Bank, National Association (the "Client") from lenders and/or aggregators (the "Seller"), via bulk acquisition or reliance letter. The information provided below represents the approach and methodology used at the time of original acquisition by the Seller. Each of the loans was acquired by the Seller from various lenders a lender through a delegated correspondent channel.

**2.** **Sample Size of Assets Reviewed** 

This report reflects 3 loans selected by the Client to include in JPMMT 2025-11 (the "Securitization"). Client did not disclose to IB if additional loans are included in the Securitization. While the Client may have included additional loans in the Securitization, such loans were not subject to the Review referenced herein. IB reviewed 100% of the Loans provided by the Client and can only assume the sample size was 100%.

**3.** **Sample Size Determination** 

The Client, in its sole discretion, determined the loans to be reviewed by IB. As noted in Section 2 above, Client provided IB with 3 loans, all of which were reviewed by IB. Therefore, IB used no sampling methodology in its Review.

**4.** **Information and Data Integrity** 

IB was provided certain data elements (the "Tape Data"), which were supplied by the Seller. The Seller aggregated the Tape Data from the various lenders. Each lender did not supply Seller with uniform Tape Data; thus, individual Loan Tape Data may not have included all data elements as detailed below in this Section 4. IB subsequently mapped and compared the Tape Data to information contained in each Loan file. When the data was provided, IB compared the following fields:

---

| | |
|:---|:---|
| **Field Name** | **Field Name** |
| Amortization Type | Total Debt to Income Ratio |
| Amortized Original Term | First Payment Date |
| Appraised Value | Interest Only Flag |
| ARM Initial Adjustment Period | Lien Position |
| ARM Initial Rate Cap | Loan Purpose |
| ARM Lookback Period | Loan Term |
| ARM Margin | Loan Type |
| ARM Maximum Interest Rate | LTV |
| ARM Minimum Interest Rate | Note Date |
| ARM Payment Change Frequency | Occupancy |
| ARM Periodic Rate Cap | Original Interest Rate |
| ARM Periodic Rate Cap at first Adjustment Down | Original Principal and Interest |
| ARM Periodic Rate Cap at first Adjustment Up | Original Principal Balance |
| ARM Rate Cap at first Adjustment Down | Property Type |
| ARM Rate Cap at first Adjustment Up | Representative Credit Score |
| ARM Rate Change Frequency | Residual Income |
| ATR/QM Designation | Sales Price |
| Borrower First Name | Subject Address |
| Borrower Last Name | Subject City |
| CLTV | Subject State |
| Doc Type | Subject Zip Code |

---

Inglet Blair, LLC Deal Summary

JPMMT 2025-11

pg. 1

&nbsp;&nbsp;&nbsp;&nbsp;

**5.** **Underwriting, Origination Practices and Conformity to Guidelines and/or Criteria** 

Each Loan was reviewed to the applicable guideline, matrix and/or finding report, produced by an Automated Underwriting System ("AUS"), as provided to IB. Depending on the applicable guideline requirements, IB verified, recalculated and compared certain metrics and attributes:

- Debt to Income ("DTI")

- Debt Service Coverage Ratio ("DSCR")

- Loan to Value ("LTV") / Combined Loan to Value ("CLTV")

- Lien Position

- Gross Income

- Qualifying Principal, Interest, Taxes and Insurance ("PITI") payment

- Assets and Reserves

- Monthly debt service

- Residual Income

- Occupancy

- Property Type

To the extent prescribed by the applicable guidelines, every Loan received an evaluation of the applicable borrower's employment, income, assets and credit history as follows:

Employment and Income:

- Meets the guidelines and, as applicable, regulatory documentation requirements

- Creditor income calculations are reasonable and as prescribed by the applicable guidelines

- Ensure borrower(s) is/are currently employed

Assets

- Confirm asset source and documentation requirements

- Re-calculate gross, net and liquid asset balances

- Incorporate gift funds and sourcing documentation

- Confirm and calculate reserve calculations

Credit Report

- Determine representative Credit Score and Methodology

- Number of tradelines

Maximum amount of open tradelines

- Mortgage/Rental payment history

- Installment and Revolving payment history

- Bankruptcy and Foreclosure seasoning

- OFAC Alert(s)

Credit Application (FNMA Form 1003)

- Substantially complete

- Employer and employment status

- Confirmation of loan purpose and occupancy

- Disposition and status of Real Estate Owned (REO)

- First time home buyer status

- Citizenship and eligibility

Title Review - For each Loan the title commitment or, if present, final title policy was reviewed to confirm:

- Vestee(s)

- Title interest – Fee Simple or Leasehold

- Tax liens, encumbrances, encroachments and/or other title defects were satisfied or addressed

Inglet Blair, LLC Deal Summary

JPMMT 2025-11

pg. 2

Fraud Report – IB reviewed each Loan file for the presence of a fraud report with all material findings addressed surrounding borrower name variances, social security number discrepancies, subject-property occupancy or employment history.

Hazard and Flood Insurance – Each Loan was reviewed to ensure that (i) each hazard policy limit met the applicable guideline requirement (ii) the property address was correct (iii) the premium was accurately reflected in the DTI calculation and (iv) escrowed where required.

Similarly, where the flood certificate indicates the property improvements were located in a flood zone, IB confirmed the coverage met the guideline requirements and, where applicable, the premium escrowed.

Closing/Legal Documents – All Loans received a review of the closing documentation. This includes the note, mortgage (and applicable riders), assignments, mortgage insurance certificates, underwriter approvals, and HUD-1 or Closing Disclosure, as applicable, are executed by all applicable parties and generally convey the terms of the Loan.

The information and findings provided herein were based on the information provided in the loan file images presented at the time of review.

**6.** **Collateral Review and Methodology** 

To establish reasonable support for the original appraised value, each qualifying appraisal was accompanied by one of the following: (i) an existing desk review report provided by the originator (or issuer), (ii) a second full appraisal (typically required by the guidelines) (iii) a FNMA Collateral Underwriter ("CU") analysis with a score of 2.5 or less. In the event a loan did not contain any of the supplemental documentation, IB ordered an AVM, desk review or field review to fulfill the requirement. If any of the supplemental material(s) had an estimate of value that was lower than the original appraised value by 10% (or more), a field review (or suitable alternative) was obtained.

Each Loan was analyzed to confirm it was sufficiently collateralized by real property, and each appraisal was audited to address the following FIRREA/USPAP rules and standards:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Was the appraisal prepared for a financial services institution?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Does the appraisal state the definition of Market Value?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Does the appraisal indicate the appraiser's license or certification, number and expiration date?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Does the appraisal disclose any extraordinary assumptions, hypothetical conditions? Does the appraisal include a statement of assumptions
and limiting conditions?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, do the items appear to be reasonable?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Is a minimum 3-year subject sale history included?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Does the report state the effective date of the appraisal?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Does the appraisal summarize the process used to collect, confirm, and report data?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Does the appraisal state the subject's highest and best use?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Does the appraisal clearly identify the real estate being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Does the appraisal state the real property interest being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Does the report contain sufficient information?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. Was the appraisal reported on a FNMA appraisal form?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, was the form materially complete?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Which of the industry recognized methods of valuation were included that may have been utilized to support the institution's
decision to engage in the transaction?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Direct Sales Comparison Approach, Cost Approach, or Income Approach?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If any of these approaches have been omitted or excluded, is there sufficient explanation provided as to why?

Inglet Blair, LLC Deal Summary

JPMMT 2025-11

pg. 3

&nbsp;&nbsp;&nbsp;&nbsp;

**7.** **Regulatory Compliance Review to Federal, State and Local Lending Laws** 

All Loans deemed to be consumer purpose loans were submitted to an automated regulatory compliance review. The system tested each applicable Loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending.

All applicable tests and disclosure reviews were graded in accordance with the SFA RMBS 4.0 TRID Compliance Review Scope standard as described below.

- Federal Truth in Lending Act– Regulation Z

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer Handbook on Adjustable
Rate Mortgages (1026.19(b)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm acknowledgement of receipt
by the borrower or documentary evidence disclosure was delivered to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Your Home Loan Toolkit (1026.19(g)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm acknowledgement of receipt
by the borrower or documentary evidence disclosure was delivered to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provided within 3 business days
of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Federal High-cost (1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Identify points and fees and/or
APR threshold test failures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Prepayment Penalty restrictions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher-priced Mortgage Loans
(1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APR Threshold with the corresponding
appraisal and escrow requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right of Rescission (1026.23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review accuracy, timing and
content of disclosure(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm all requisite consumers
received notice and correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Qualified Mortgage Rule (1026.43(e))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Perform points and fees test
to confirm 3% threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and
DTI below 43% or Temp QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 1/10/2014
to 2/28/2021

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and
DTI below 43% and/or Temp QM and/or APR/APOR threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 3/1/2021
to 6/30/2021

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and
DTI below 43% and/or APR/APOR threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 7/1/2021
to 9/30/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APR/APOR threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates on or after
10/1/2022\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject to any guidance updates
from regulators

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan does not contain "risky
feature" (IO, Negative Amortization, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Contain a valid and approved
AUS, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Ability-to-Repay ("ATR")
(1026.43(c)(2) – IB reviewed each Loan for the applicable mortgagor's ability to repay; however, there is no representation
or warranty, implied or otherwise, that a court (or other administrative/legislative authority) will agree with the determination. IB
objectively confirmed the following eight (8)-factors had been considered and, where applicable, documented:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (i) The consumer 's
current or reasonably expected income or assets, other than the value of the dwelling ,
including any real property attached to the dwelling ,
that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (ii) If the creditor relies
on income from the consumer 's
employment in determining repayment
ability , the consumer 's
current employment status;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (iii) The consumer 's
monthly payment on the covered transaction, calculated in accordance with paragraph
(c)(5) of this section;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (iv) The consumer 's
monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made, calculated in accordance with paragraph
(c)(6) of this section;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (v) The consumer 's
monthly payment for mortgage-related obligations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (vi) The consumer 's
current debt obligations,
alimony, and child support;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (vii) The consumer 's
monthly debt -to-income
ratio or residual income in accordance with paragraph
(c)(7) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (viii) The consumer 's
credit history.

Inglet Blair, LLC Deal Summary

JPMMT 2025-11

pg. 4

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TRID (1026.36, 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan Estimate ("LE")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Initial
LE was provided within three (3) business days of application as provided by the broker or creditor and loan does not consummate within
seven (7) business days of receipt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Provided
within three (3) business days of a valid Change of Circumstance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Complete
in all material respects

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Contains
NMLS ID

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirm
the "In 5 Years" calculation is not over disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirm
creditor provided CD no later than three (3) business days of consummation and confirm all relevant fields are complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Ensure
technical requirements are met – Rounding, Alphabetization, Number of Fees per category and title fees properly labeled

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Recalculation of the Finance Charge, Amount Financed, Total
of Payments ("TOP"), and Total Interest Payments ("TIP")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments - Re-calculation of Principal and Interest
payment(s), verified escrow and insurance payments, interest only periods and final balloon payments are present and displayed in the
correct number of columns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adjustable Interest Rate and Adjustable Payment Tables are
present, complete and accurate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No fee charged for preparation of LE or CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fee descriptions conform with clear and conspicuous standard

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan terms match that of the subject loan – balance,
rate, term, prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Disclosures section is complete – Late Payment
matches the note and the escrow section is consistent within the disclosure

o Fee and Tolerance Testing - Zero and ten percent (10.0%) tolerance testing, including the presence, timing and a validation of a change of circumstance and corresponding fee changes

o Evidence Service Provider List and Your Home Loan Toolkit, if applicable, were provided or present in the loan file

o LE and CD form(s) provided to the borrower are consistent across the loan process

o NMLS ID is present on the loan application, note, security instrument, LE and CD, as applicable

o Items not tested, include but are not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Categorization of fees in the appropriate section

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of information for fields not expressly stated
above

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction
columns on the Seller's columns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o State High-cost and Predatory
lending regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o RESPA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm GFE and HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Servicing Transfer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Arrangement
Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Homeownership Counseling Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Equal Credit Opportunity Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence, acknowledgement and
timing of the Right to Receive Copy of Appraisal Disclosure

Structured Finance Association ("SFA") organized and led an initiative to establish a framework for Third-Party Reviewer's ("TPR") to evaluate and grade loans subject to the Know Before You Owe Act, also commonly referred to as TILA-RESPA Integrated Disclosure ("TRID"). While all grades and conclusions are established in good faith, the grading scheme materiality and impact for certain exceptions may change from time to time, and thus, all reports contain Interpretation Risk. Under no circumstance should the Client, any potential investors or other individual party solely rely on the interpretations made by IB, SFA, or its outside counsel.

Please be advised that IB is not a law firm, does not employ personnel who are licensed to practice law and the exceptions, observations and conclusions provided by IB are not legal opinions. IB relies upon the advice of outside counsel, informal advice of regulators and industry practice to determine materiality.

---

| | | |
|:---|:---|:---|
| **TRID Tested** | **No. of Loans** | **% of Population** |
| Yes | 3 | 100.00% |
| **Total** | **3** | **100%** |

---

**8.** **Any Other Type of Review** 

There was no other review performed.

Inglet Blair, LLC Deal Summary

JPMMT 2025-11

pg. 5

&nbsp;&nbsp;&nbsp;&nbsp;

**5. Summary of Finding and Conclusions of Review**

The following tables represent the final NRSRO overall and component grades. The Overall grade is comprised of the lowest of the component grades.

---

| | | |
|:---|:---|:---|
| **NRSRO Final Grade** | **No. of Loans** | **% of Population** |
| A | 2 | 66.67% |
| B | 1 | 33.33% |
| **Total** | **3** | **100%** |
| **NRSRO Final Credit Grade** | **No. of Loans** | **% of Population** |
| A | 2 | 66.67% |
| B | 1 | 33.33% |
| **Total** | **3** | **100%** |
| **NRSRO Final Compliance Grade** | **No. of Loans** | **% of Population** |
| A | 3 | 100% |
| **Total** | **3** | **100%** |
| **NRSRO Final Property Grade** | **No. of Loans** | **% of Population** |
| A | 3 | 100.00% |
| **Total** | **3** | **100%** |

---

The following tables represent certain key attributes of the Loans and their frequency amongst the loan population.

---

| | | |
|:---|:---|:---|
| **Amortization Type** | **No. of Loans** | **% of Population** |
| Fixed Rate | 3 | 100.00% |
| **Total** | **3** | **100%** |
| **Lien Position** | **No. of Loans** | **% of Population** |
| 1st | 3 | 100.00% |
| **Total** | **3** | **100%** |
| **Purpose** | **No. of Loans** | **% of Population** |
| Other-than-first-time Home Purchase | 3 | 100.00% |
| **Total** | **3** | **100%** |

---

Inglet Blair, LLC Deal Summary

JPMMT 2025-11

pg. 6

---

| | | |
|:---|:---|:---|
| **Property Type** | **No. of Loans** | **% of Population** |
| Single Family Detached (non-PUD) | 1 | 33.33% |
| PUD (Only for use with Single-Family<br> Detached Homes with PUD riders) | 2 | 66.67% |
| **Total** | **3** | **100%** |
| **LTV** | **No. of Loans** | **% of Population** |
| **00.01- 10.00** | **0** | 0.00% |
| **10.01- 20.00** | **0** | 0.00% |
| **20.01- 30.00** | **0** | 0.00% |
| **30.01- 40.00** | **0** | 0.00% |
| **40.01- 50.00** | **0** | 0.00% |
| **50.01- 60.00** | **0** | 0.00% |
| **60.01- 70.00** | **1** | 33.33% |
| **70.01- 80.00** | **2** | 66.67% |
| **80.01- 90.00** | **0** | 0.00% |
| **90.01- 100.00** | **0** | 0.00% |
| **Total** | **3** | **100%** |
| **CLTV** | **No. of Loans** | **% of Population** |
| **00.01- 10.00** | **0** | 0.00% |
| **10.01- 20.00** | **0** | 0.00% |
| **20.01- 30.00** | **0** | 0.00% |
| **30.01- 40.00** | **0** | 0.00% |
| **40.01- 50.00** | **0** | 0.00% |
| **50.01- 60.00** | **0** | 0.00% |
| **60.01- 70.00** | **1** | 33.33% |
| **70.01- 80.00** | **2** | 66.67% |
| **80.01- 90.00** | **0** | 0.00% |
| **90.01- 100.00** | **0** | 0.00% |
| **Total** | **3** | **100%** |

---

Inglet Blair, LLC Deal Summary

JPMMT 2025-11

pg. 7

## Exhibit 99.12

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.12**

---

| | | | |
|:---|:---|:---|:---|
| Seller Loan ID | JPM Loan ID | Data Field | Discrepancy Comments |
| (redacted) | 304757999 | Total Debt to Income Ratio (redacted) | Approved DTI 43.891%, variance is non-material. |
| (redacted) | 304757999 | Representative Credit Score (redacted) | Review Value is the lower middle score of both borrower's. Tape Value is (redacted) lowest credit score. |
| (redacted) | 304757999 | Appraised Value (redacted) | Review Value is the Appraisal Value. Tape is the Sales Price. |
| (redacted) | 304846978 | Total Debt to Income Ratio (redacted) | Source of Tape Value is unknown. Approved DTI (redacted), variance < (redacted) is non-material. |

---

## Exhibit 99.13

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Seller Name | JPM Loan ID | Exception ID | Exception ID Date | Condition Category | Condition Standardized Description | Condition ID | Initial Exception Grade | Final Exception Grade | Status | Condition Custom Description | Cleared Date | Compensating Factors | Lender Response | Comments | Loan Status |
| (redacted) | 304757999 (redacted) |  |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |
| (redacted) | 304827293 (redacted) | 1139024 | 09/16/2025 | Property | Missing Third Party Appraisal Review | APPR 0046 | 3 | 1 | Closed | The file is missing a Third-Party desk review with (redacted) due to the most recent CU dated (redacted) reflects a score of (redacted). | 09/23/2025 | Verified credit history - (redacted) Representative credit score exceeds the minimum required credit score of (redacted) by (redacted) Points. <br>; |  | 09/23/2025: (redacted) CDA provided with a value of (redacted) or (redacted) variance. Finding cleared. - 09/23/2025 9/23/25: (redacted) CDA provided with a value of (redacted) or (redacted) variance. Finding cleared.<br> 09/17/2025 CU Score 3.2 > 2.5. Per guidelines, All appraisals used in the decision require a Third-Party Desk Review w/ Clear Capital, unless: CU score is 2.5 or lower, then Third-Party Desktop review is not required. When CU score is > 2.5 and the AVM has less than a (redacted) confidence score and/or a value difference of more than (redacted), the following waterfall or appraisal products would be required: CDA, Field Review, 2055, Full 2nd appraisal, using the lower of value from the two appraisals. | Funded C A |
| (redacted) | 304827293 (redacted) | 1139279 | 09/16/2025 | Credit | Missing W2(s) | CRED 0137 | 3 | 1 | Closed | Missing present employer, (redacted), (redacted) W2. Work Number does not provide prior years earnings. Borrower start date was (redacted). Per AUS, Base non-fluctuating earnings or fluctuating hourly earnings must be supported by either a YTD paystub documenting all YTD earnings and W-2(s) for the most recent calendar year, or a written VOE documenting all YTD earnings and earnings for the most recent calendar year. | 09/17/2025 | Verified credit history - (redacted) Representative credit score exceeds the minimum required credit score of (redacted) by (redacted) Points. <br>; |  | 09/17/2025 Recd (redacted) W2 for present employer. - 09/17/2025 Recd 2024 W2 for present employer. | Funded C A |
| (redacted) | 304827293 (redacted) | 1139293 | 09/16/2025 | Credit | Undisclosed or Excluded Debt | CRED 0086 | 3 | 2 | Acknowledged | Missing evidence that the trust has paid the property tax and annual insurance premium for the past (redacted) months on non-subject REO, (redacted). No cancelled checks or bank statements were provided to document payment from 3rd party. Borrower does not qualify with taxes and insurance considered. -- Per Agency, Documentation in the Mortgage file must indicate the following:<br>A party other than the Borrower has been making timely payments for the most recent (redacted) months<br>When a Mortgage payment is being excluded, the party making the Mortgage payments must be obligated on the Note<br>The party making the payments is not an interested party to the subject real estate or Mortgage transaction. |  | Verified credit history - (redacted) Representative credit score exceeds the minimum required credit score of (redacted) by (redacted) Points. <br>; |  | 10/01/2025 EV2/B - Investor accepts the letter of explanation / trust documentation in file to satisfactorily document that 3rd party is paying taxes and insurance on non-subject property. <br>09/18/2025 Attached Trust Agreement and email correspondence from the trustee is insufficient to satisfy the finding. Missing bank statement or cancelled check showing the property taxes and insurance being paid from the trust. | Funded C B |
| (redacted) | 304827293 (redacted) | 1139296 | 09/16/2025 | Credit | Insufficient Verified Funds to Close | CRED 0016 | 3 | 1 | Closed | Documented assets are insufficient to cover the cash to close. Lender included (redacted) assets of (redacted), but this account is owned by (redacted), not by the borrower. The borrower is permitted to obtain information about the owners financial records, but is not an owner. | 09/24/2025 | Verified credit history - (redacted) Representative credit score exceeds the minimum required credit score of (redacted) by (redacted) Points. <br>; |  | 09/24/2025 Letter from (redacted) representative confirming the borrower has (redacted) access to the funds in the (redacted) IRA. Exception cleared. - 09/24/2025 Letter from Edward Jones representative confirming the borrower has (redacted) access to the funds in the (redacted). Exception cleared.<br> 09/18/2025 Attached obituary is insufficient to satisfy the finding. Missing documentation from the financial institution confirming the borrower is the beneficiary and has full access to the funds. The account is an IRA and would only have one owner. The borrower is authorized to access information of the mother's accounts but is not actually an owner as reflected on pg (redacted). | Funded C A |
| (redacted) | 304846978 (redacted) | 1142355 | 10/03/2025 | Credit | Final 1003 Application is Incomplete | APP 0002 | 3 | 1 | Closed | Missing the loan originator signed (redacted)/Application. Initial and final (redacted)/Applications in file were not signed by the LO. | 10/06/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Departing residence mortgage satisfactorily rated (redacted) months. Other REO mortgage satisfactorily rated (redacted) months.; Low DTI - (redacted) DTI < (redacted) Max Allowed.; |  | 10/06/2025 Received LO signed applications. - 10/06/2025 Received LO signed applications. | Funded C A |
| (redacted) | 304846978 (redacted) | 1142452 | 10/03/2025 | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 3 | 1 | Closed | Missing evidence of delivery to borrower of the latest issued LE dated (redacted). Timing requirement is not satisfied with US Mailbox Rule applied. Disclosure tracking was not provided in file. | 10/06/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Departing residence mortgage satisfactorily rated (redacted) months. Other REO mortgage satisfactorily rated (redacted) months.; Low DTI - (redacted) DTI < (redacted) Max Allowed.; |  | 10/06/2025 Received disclosure tracking. - 10/06/2025 Received disclosure tracking. | Funded C A |

---

## Exhibit 99.14

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.14**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| JPM Loan ID | Initial Overall Event Level | Final Overall Event Level | Originator QM/ATR Status | TPR QM/ATR Status | Seller Name |
| 304757999 (redacted) | 1 | 1 A | 1 | QM (APOR) / Non-HPML | (redacted) |
| 304827293 (redacted) | 3 | 2 C A B | 1 | QM (APOR) / Non-HPML | (redacted) |
| 304846978 (redacted) | 3 | 1 C A | 1 | QM (APOR) / Non-HPML | (redacted) |

---

## Exhibit 99.15

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | | | |
| **Seller Loan ID** | **Purchaser Loan ID** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| **Seller Loan ID** | **Purchaser Loan ID** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Second Appraisal Value** | **Second Appraisal Type** | **Second Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **AVM Product Name** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **Variance Amount** | **Variance(%)** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| (redacted) | 304757999 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  | 2292000.00 | 0.00 | 0.00% | Clear Capital | 07/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 2.5 |
| (redacted) | 304827293 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 3.5 |
| (redacted) | 304846978 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |

---

## Exhibit 99.16

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.16**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| JPM Loan ID | Loan Status | Final Overall Event Level | Final Credit Event Level | Final Compliance Event Level | Final Property Event Level | Credit Exceptions | Compliance Exceptions | Property Exceptions | Compensating Factors | Immaterial/Waived | Lender Commentary | Cleared Exceptions | Exceptions |
| 304757999 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Scores (redacted); |  |  |  |  |
| 304827293 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - (redacted) Representative credit score exceeds the minimum required credit score of (redacted) by (redacted) Points. <br>; | CRED 0086 Undisclosed or Excluded Debt - Missing evidence that the trust has paid the property tax and annual insurance premium for the past (redacted) months on non-subject REO, (redacted). No cancelled checks or bank statements were provided to document payment from (redacted). Borrower does not qualify with taxes and insurance considered. -- Per Agency, Documentation in the Mortgage file must indicate the following:<br> A party other than the Borrower has been making timely payments for the most recent (redacted) months<br> When a Mortgage payment is being excluded, the party making the Mortgage payments must be obligated on the Note<br> The party making the payments is not an interested party to the subject real estate or Mortgage transaction. - 10/01/2025 EV2/B - Investor accepts the letter of explanation / trust documentation in file to satisfactorily document that (redacted)y is paying taxes and insurance on non-subject property. |  | CRED 0016 Insufficient Verified Funds to Close - Documented assets are insufficient to cover the cash to close. Lender included (redacted) assets of (redacted), but this account is owned by (redacted), not by the borrower. The borrower is permitted to obtain information about the owners financial records, but is not an owner. - 09/24/2025 Letter from (redacted) representative confirming the borrower has (redacted) access to the funds in the (redacted) IRA. Exception cleared.<br>APPR 0046 Missing Third Party Appraisal Review - The file is missing a Third-Party desk review with (redacted) due to the most recent CU dated (redacted) reflects a score of (redacted). - 09/23/2025: (redacted) CDA provided with a value of (redacted) or (redacted) variance. Finding cleared.<br>CRED 0137 Missing W2(s) - Missing present employer, (redacted), (redacted) W2. (redacted) does not provide prior years earnings. Borrower start date was (redacted). Per AUS, Base non-fluctuating earnings or fluctuating hourly earnings must be supported by either a YTD paystub documenting all YTD earnings and W-2(s) for the most recent calendar year, or a written VOE documenting all YTD earnings and earnings for the most recent calendar year. - 09/17/2025 Recd (redacted) W2 for present employer.<br>|  |
| 304846978 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Verified housing payment history - Departing residence mortgage satisfactorily rated (redacted) months. Other REO mortgage satisfactorily rated (redacted) months.; Low DTI - (redacted) DTI < (redacted) Max Allowed.; |  |  | TRID 0023 Last Loan Estimate Sent Method Not In Person and No Received Date - Missing evidence of delivery to borrower of the latest issued LE dated (redacted). Timing requirement is not satisfied with US Mailbox Rule applied. Disclosure tracking was not provided in file. - 10/06/2025 Received disclosure tracking.<br>APP 0002 Final 1003 Application is Incomplete - Missing the loan originator signed (redacted)/Application. Initial and final (redacted)/Applications in file were not signed by the LO. - 10/06/2025 Received LO signed applications.<br>|  |

---

## Exhibit 99.17

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.17**

**EXECUTIVE SUMMARY**

JPMMT 2025-11

**Overview** 

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third-party diligence provider, performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association (the "Client").

The Review was conducted from August 2025 to October 2025 on mortgage loans (the "Loans") originated from June 2025 to September 2025. The Review consisted of 100% of the population of 16 loans with an original loan balance of $22,887,166.00.

**Scope of Review**

**Credit Review**

MaxDiligence performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any Loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The credit review included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the
information in the preliminary Loan application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number
is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is complete, signed, dated, on or before loan consummation
date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit
conditions have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of debt service coverage ratio ("DSCR")
calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DSCR Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review of hazard coverage and verification that sufficient
coverage was in place on subject and all premiums were included in DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage insurance certificate was in file, if applicable,
and coverage was sufficient, and premium was included in DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review of rental income and/or market rents and validation
of DSCR calculation

![](maxwelllogo2.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the borrower
(s) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy Red flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. "Doing business as" or "also known as"
names investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly
addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements
in conformance with applicable guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower
(s) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability
of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income
by analyzing income documents and comparing against re-verification documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s and paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts (as applicable)
support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax returns and profit and
loss statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank statements or other alternate
income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/continuing employment,
if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Lease agreements and market
rents, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover
required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient funds were sourced
and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met
guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest money deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

![](maxwelllogo2.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in housing payment and
any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed
in accordance with approval and with all required signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing disclosure or Settlement Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 and prior to October 1, 2022 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z of the Truth in Lending Act, as amended. Effective October 1, 2022, loans with application dates on or after such date must comply with the General QM Final Rule, as well as the ATR rule. For these Loans, MaxDiligence will (a) confirm that the creditor provided a QM designation and (b) review the Loan for the eight (8) underwriting factors set forth Section 12(E)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence reviewed each
mortgage loan to determine each mortgage loan's status under the QM and ATR rule requirements and assign a QM and ATR designation
as determined by MaxDiligence. MaxDiligence will note as a material exception if its QM and ATR designations do not confirm to the originator's
original QM and ATR designations. Additionally, MaxDiligence will note if an originator's mortgage loan designation was not provided.
MaxDiligence shall use the following designations:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. MaxDiligence utilizes the following
QM designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) QM Safe-Harbor (also known
as General QM)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) QM Rebuttal Presumption (including
Higher-priced loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Temporary QM (for all applications
prior to October 1, 2022)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Non-QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. MaxDiligence utilizes the following
ATR designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) ATR Compliant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) ATR Fail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) ATR Exempt

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In order to determine the QM
designation, as applicable, MaxDiligence will review each Loan for the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Use of any risky mortgage loan
features and terms (e.g. an interest only feature or negative amortization);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Do the "points and fees"
exceed the applicable QM threshold;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Was monthly payment calculated
appropriately;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Did the creditor considered
and verify income or assets at or before consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Did the creditor appropriately
considered debt obligations, alimony and child support;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. For mortgage loan applications
prior to October 1, 2022, if the DTI ratio exceeded 43% (calculated in accordance with Appendix Q to Regulation Z).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. For mortgage loan applications
on and after October 1, 2022, for which the annual percentage rate does not exceed the average prime offer rate for a comparable transaction
as of the date the interest rate is set by the amounts specified based on loan amount (adjusted annually on January 1 by the annual percentage
change in the Consumer Price Index for All Urban Consumers (CPI-U) that was reported on the preceding June 1) and the lien position of
the proposed credit:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) For a first-lien covered transaction
with a loan amount greater than or equal to $110,260 (indexed for inflation), 2.25 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) For a first-lien covered transaction
with a loan amount greater than or equal to $66,156 (indexed for inflation) but less than $110,260 (indexed for inflation), 3.5 or more
percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) For a first-lien covered transaction
with a loan amount less than $66,156 (indexed for inflation), 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) For a first-lien covered transaction
secured by a manufactured home with a loan amount less than $110,260 (indexed for inflation), 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) For a subordinate-lien covered
transaction with a loan amount greater than or equal to $66,156 (indexed for inflation), 3.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) For a subordinate-lien covered
transaction with a loan amount less than $66,156 (indexed for inflation), 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Upon completion of Section
12(B) above, if a Loan is determined to be a QM loan, MaxDiligence will determine if the Loan is a Higher-Priced Mortgage Loan ("HPML")
as defined by 12 CFR 1026.35:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the Loan is HPML, then the
Loan shall be designated as QM Rebuttal Presumption (Higher Priced);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the Loan is not an HPML,
then the Loan shall be designated as QM Safe Harbor.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Upon completion of Section
12(B) above, for each Loan that is designated as Non-QM, MaxDiligence then will determine whether the mortgage loan complies with the
ATR rule, in accordance with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. MaxDiligence will evaluate
the Loan for ATR compliance based on the following eight factors and will verify such information using reasonably reliable third-party
records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets: Recalculate
borrower(s)'s monthly gross income, and validate funds required to close and required reserves, to confirm that the borrower has
current or reasonably expected income or assets (other than the value of the property that secures the Loan) that the borrower will rely
on to repay the Loan. Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment: Review file documentation
for required level of employment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm
that the correct program, qualifying rate, and terms were used to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans: Ensure
that all concurrent Loans were included in the DTI calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations:
Validate that the subject Loan's monthly payment calculation includes principle, interest, taxes, and insurance, as well as other
costs related to the property such as homeowners' association fees, private mortgage insurance, ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations: Validate
monthly recurring non-mortgage-related liabilities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate
DTI or "residual income," based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly income,
based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History: Review credit
report for credit history and required credit depth, including any / all inquiries, and determine a representative credit score from the
credit report.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Upon completion of Section
12(E) above, MaxDiligence will assign an ATR designation.

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**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence'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. MaxDiligence's review
will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to
perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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, or if the appraisal was performed for
another lender, the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior
to the final approval of the mortgage loan application; Any revisions, if made known to MaxDiligence, to the original report are documented
and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received
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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or
within 10% variance based on a third-party valuation product. If a third-party valuation product is in file but notes a variance above
10% or an inconclusive value, MaxDiligence recommended a BPO or field review be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties, MaxDiligence's
review will (a) reviewed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure
that such comparable properties are within standard appraisal guidelines; (b) confirmed the property value and square footage of the subject
property was bracketed by comparable properties, (c) verified that comparable properties used are similar in size, style, and location
to the subject, and (d) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable
properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of MaxDiligence's review included (i)
verifying that the address matched the mortgage note, ((ii) if requested, noting whether the property zip code was declared a FEMA disaster
area after the valuation date and notifying the Client of same, (iii) confirming the appraisal report does not include any apparent environmental
problems, (iv) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (v) 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 (vi) confirming that the
value product that was used as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, MaxDiligence will
confirm consistency among the valuation products and if there are discrepancies that could not be resolved, MaxDiligence created an exception,
and work with the client on the next steps which may include ordering of additional valuation products such as collateral desktop reviews,
broker's price opinions, and full appraisals, if needed. If the property valuation products included in MaxDiligence's review
result in a variance of more than 10% then the client was notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence confirmed to the extent possible, that the
appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, MaxDiligence will
review 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, MaxDiligence 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.

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**Compliance Review**

"Compliance Review" means that MaxDiligence reviewed each Loan to determine, as applicable and subject to the limitations below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements, each as amended. A Compliance Review shall not apply to business purpose loans.

The below Compliance Review is applicable to Loans with an application date on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). With regard to TRID testing, MaxDiligence implemented the TRID scope of review as detailed in (i) Section III -Regulatory Compliance of the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. On an ongoing basis, MaxDiligence reviews updated interpretations of TRID through informal guidance provided by the Consumer Financial Protection Bureau ("CFPB"), such CFPB guidance may cause changes in the review scope and severity of TRID related exceptions, including applicable cures. While MaxDiligence 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed the initial LE and
confirmed (i) the correct form was used; (ii) all sections of the Initial LE are completed; and (iii) the initial LE accurately reflects
the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If there is a revised LE, confirmed
(i) that there is a "valid reason" for the revised LE; and (ii) that the revised LE was issued within three (3) days of the
change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determined which LE in the
file is the "final binding" LE for the purpose of Tolerance Testing. A revised LE that is issued after the CD, or that does
not state a valid reason will not be used for the purposes of Tolerance Testing. All revised LEs issued to the consumer will be reviewed
for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirmed initial LE was delivered
within three (3) business days from the application date, and at least seven (7) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirmed revised LE was delivered
within three (3) business days from date of the "valid reason" giving rise to the Revised LE, and at least four (4) business
days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirmed that certain sections
of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed the CD and confirmed
(i) the correct form was used; (ii) all sections of the CD are completed; and (iii) the CD accurately reflected the information provided
to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If a subsequent CD is issued,
confirmed (i) that there was a valid reason for the change; (ii) that the CD was issued within three (3) days of the change; and (iii)
whether the reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirmed initial CD, and any
subsequent CD with material changes (i.e. changes that require a new waiting period), was received at least three (3) business days prior
to the consummation date. 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 sixty (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 sixty (60) days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right
of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right
of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission
notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct
form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three
(3) business days rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any material disclosure violation
on a rescindable 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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. <u>Tolerance Testing</u>. Compared
the fees disclosed in the final binding LE to those in the final CD, and confirmed that final CD fees are within the permitted tolerances.
Confirmed the total of payments are considered accurate as defined by Regulation Z. Confirmed finance charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. <u>Subsequent Changes</u>.
Reviewed the file to determine (i) whether there is evidence that certain changes or errors (per the regulation) were discovered subsequent
to closing, (ii) and whether the Loan originator followed the prescribed cure. Test for evidence such as a copy of the refund check, or
a corrected, post-consummation CD (" <u>PCCD</u> "), and (iii) 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 sixty (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 sixty (60) days after consummation.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17. <u>Loan Toolkit (§1026.19)</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirmed 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirmed Your Home Loan Toolkit
was delivered or placed in the mail not later than three (3) business days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;18. <u>TILA</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment penalty test; and

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow
account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage
loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Reviewed relevant document
to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Reviewed 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Note: Where available, MaxDiligence
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, MaxDiligence'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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Homeownership counseling (§1026.36):</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determined 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determined if the creditor
financed, directly or indirectly, any premiums or fees for credit insurance in jurisdictions where it is prohibited.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Reviewed 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verified the data against the
NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;19. <u>RESPA</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirmed the presence of the
Servicing Disclosure Statement form in the mortgage loan file;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirmed the presence of the
Your Home Loan Toolkit/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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirmed the Your Home Loan
Toolkit /Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirmed the presence of the
CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirmed that the CHARM booklet
was issued within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirmed the presence of the
Affiliated Business Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirmed the Affiliated Business
Arrangement Disclosure was provided no later than three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirmed the Affiliated Business
Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirmed the presence of the
Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirmed 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. Confirmed 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20. <u>ECOA</u>: The Equal Credit
Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right
to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy
of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing
a copy of each appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements
and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific
late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;22. <u>Exclusions</u>. MaxDiligence
did not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other Post-consummation disclosures,
including Escrow Closing Notice; and Mortgage servicing transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For Loans made by an FDIC-supervised
institution or servicer, extended or renewed on or after January 1, 2016, whether prohibited fees were collected prior to the initial
LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether any fee is a "bona
fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether the loans comply with
all federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above.

![](maxwelllogo2.jpg)

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

The Guidelines listed below were used as a benchmark with respect to credit and property reviews for grading purposes. The loans were assigned an initial grade after the initial review. The final grade was determined after additional documentations were provided to satisfy outstanding conditions. When Guideline exceptions were provided, reviewers reviewed to ensure compensating factors were also provided and documented.

- Fannie Mae

- Freddie Mac

- AD Mortgage Jumbo Blue Underwriting Guidelines

- Guaranteed Rate JP Morgan QM AUS Underwriting Guidelines

- Better Mortgage JP Morgan CIB Residential Purchase Criteria

- UWM Prime Jumbo Overlays

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade "B" or higher with 100.00% of the pool receiving an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| **Rating Agency Final Overall Grade Summary** | **Rating Agency Final Overall Grade Summary** | **Rating Agency Final Overall Grade Summary** |
| **Overall** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 16 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **16** | **100.00%** |
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 16 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **16** | **100.00%** |
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Property** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 16 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **16** | **100.00%** |
| **Final Compliance Grade Summary** | **Final Compliance Grade Summary** | **Final Compliance Grade Summary** |
| **Compliance** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 16 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **16** | **100.00%** |

---

![](maxwelllogo2.jpg)

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (i.e., a loan with a Credit Grade of "A", Compliance Grade of "B", and a Valuation Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Exception Level Grade** | **Exception Category** | **Total** |
| Credit | A | Assets - Earnest Money Deposit | 1 |
| Credit | A | Assets - Insufficient Cash to Close or Reserves | 1 |
| Credit | A | Audited Reserves are less than Guideline Required Reserves (Number of Months) | 1 |
| Credit | A | Borrower 1 3rd Party VOE Prior to Close Missing | 1 |
| Credit | A | Borrower 2 3rd Party VOE Prior to Close Missing | 1 |
| Credit | A | Cash reserves less than required by guidelines | 1 |
| Credit | A | Evidence of Property Tax Missing | 2 |
| Credit | A | HO-6 Insurance Policy is Missing | 1 |
| Credit | A | Housing History Does Not Meet Guideline Requirements | 1 |
| Credit | A | Income - Income Documentation Missing | 1 |
| Credit | A | No Credit Findings | 5 |
| Credit | A | Program Parameters - Guidelines Conformity | 8 |
| Credit | A | Title - Ownership Issue | 1 |
|  |  | ***Total Credit Grade (A) Exceptions*** | ***25*** |
| Property | A | Missing Doc - 3rd Party Valuation Product/Missing | 3 |
| Property | A | No Property Findings | 1 |
| Property | A | Value - Value is supported within -10% of original appraisal amount | 11 |
|  |  | ***Total Property Grade (A) Exceptions*** | ***15*** |
| Compliance | A | Charges That In Total Cannot Increase More Than 10% Test (50001258) | 1 |
| Compliance | A | Condo Rider is Missing | 1 |
| Compliance | A | Federal - Finance Charge Disclosure Tolerance (Closed End) | 1 |
| Compliance | A | No Compliance Findings | 14 |
| Compliance | A | TRID: Missing Final Closing Disclosure | 1 |
|  |  | ***Total Compliance Grade (A) Exceptions*** | ***18*** |

---

![](maxwelllogo2.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit and Property Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 16 Loans reviewed, 5 unique Loans (by loan count) had a total of 9 different tape discrepancies across 5 data fields (some Loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance (by possible exceptions)** |
| Borrower 1 Self-Employment Flag | 1 | 16 | 6.25% |
| Qualifying CLTV | 3 | 16 | 18.75% |
| Qualifying LTV | 3 | 16 | 18.75% |
| Qualifying Total Debt Income Ratio | 1 | 16 | 6.25% |
| Total Monthly Property Insurance Amount | 1 | 16 | 6.25% |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| **Final Loan Grade** | **Final Loan Grade** |
| A | Loan meets Credit, Compliance, and Valuation Guidelines |
| B | The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of rental income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| C | The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| D | Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| **Credit Event Grades** | **Credit Event Grades** |
| A | The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| B | The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| C | The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| D | There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| **Compliance Event Grades** | **Compliance Event Grades** |
| A | The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| B | The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| C | The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| D | There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| **Valuation Event Grades** | **Valuation Event Grades** |
| A | The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (desk reviews, field review or second appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| B | The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms, or other eligible forms based on lender/investor requirements. |
| C | The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms, or other eligible forms based on lender/investor requirements. |
| D | The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.18

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXXXX | 304833208 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 7 | 2025-09-18 13:32 | Credit | Assets - Insufficient Cash to Close or Reserves | Liquid Funds Post-Close of '$XXXXXX, are less than $0. Borrower(s) total verified assets are insufficient for cash to close. Short cash to close due to missing verification that the $XXXXXX XXXXXX has cleared the account. <br>|  | XXXXXX came from Cash out proceeds, XXXXXX cleared XXXXXX, XXXXXX from cash out, and rest was deposited into borrower`s bank account. - 09/19/2025 | Received explanation. $XXXXXX was the sum of two deposits made to title: XXXXXX wire to title of $XXXXXX from borrower XXXXXX6 and $XXXXXX wired to title XXXXXX from settlement agent of refinance transaction for XXXXXX investment property per Ledger for order #XXXXXX. Correspondence in file from title that states in receipt of $XXXXXX for transaction XXXXXX. - 09/19/2025<br> Liquid Funds Post-Close are greater than or equal to $0. - 09/19/2025<br> XXXXXX came from Cash out proceeds, XXXXXX cleared XXXXXX, XXXXXX from cash out, and rest was deposited into borrower`s bank account. - 09/19/2025 |  | 2025-09-19 19:32 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304833208 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 7 | 2025-09-18 13:42 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-18 13:42 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304833208 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 7 | 2025-09-18 14:44 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-18 14:44 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304833208 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 4 of 7 | 2025-09-18 18:15 | Credit | Income - Income Documentation Missing | The loan file did not contain the required income documentation. DU/AUS requires Cash Flow Analysis (Form 1084 or equivalent) for B1 businesses XXXXXX, which were not found in file. <br>|  | Please see the Underwriter`s explanation. - 09/19/2025 <br>Please see attached. - 09/19/2025<br>| Received Cash Flow Analysis both businesses. - 09/21/2025<br> Please see the Underwriter`s explanation. - 09/19/2025<br> Received XXXXXX and XXXXXX business tax returns which were already in file. Please provide the Cash Flow Analysis form 1084 for both businesses per DU/AUS requirement. - 09/19/2025<br> Please see attached. - 09/19/2025 |  | 2025-09-21 21:14 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304833208 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 5 of 7 | 2025-09-18 18:19 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Missing Application for Automatic Extension to file U.S. tax returns for the year XXXXXX for B1 and B2 individual income tax returns, as well as for B1 businesses XXXXXX All tax returns provided were for the year XXXXXX and subject Note Date was XXXXXX. <br>|  | The loan officer called XXXXXX and they advised that Proof of e-filing is acceptable instead of the form. And the form we provided shows proof that he filed for the extension and its acceptable. Case# XXXXXX for XXXXXX - 09/19/2025 | Received explanation with Acknowledgement and General Information for Taxpayers Who File Returns Electronically which showed borrowers filed extension XXXXXX. 1065 income does report on 1040's. - 09/19/2025<br> The loan officer called XXXXXX and they advised that Proof of e-filing is acceptable instead of the form. And the form we provided shows proof that he filed for the extension and its acceptable. Case# XXXXXX for XXXXXX - 09/19/2025 |  | 2025-09-19 19:35 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304833208 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 6 of 7 | 2025-09-18 18:35 | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. DU/AUS loan approval requires the payment history for the XXXXXX reflecting monthly payment of $XXXXXX and balance $XXXXXX. If the mortgage is currently 60 days or more past due, or has been 60 days or more past due in the last 12 months, the loan casefile is ineligible for delivery to XXXXXX. <br>|  | Please see the Note for recently closed loan for XXXXXX, the 1st payment per Note is due XXXXXX plus 15 calendar days per XXXXXX of Note. - 09/19/2025 | Received Note for XXXXXX #XXXXXX XXXXXX, and Note Date was XXXXXX with first payment date of XXXXXX. Loan was current as of subject close date XXXXXX. - 09/19/2025<br> Please see the Note for recently closed loan for XXXXXX, the 1st payment per Note is due XXXXXX plus 15 calendar days perXXXXXX of Note. - 09/19/2025 |  | 2025-09-19 18:47 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304833208 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 7 of 7 | 2025-09-18 19:55 | Compliance | Condo Rider is Missing | Condo Rider is missing. <br>|  | Please see attached. - 09/19/2025<br>| Received Condominium Rider. - 09/19/2025<br>Please see attached. - 09/19/2025<br>|  | 2025-09-19 18:32 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304815060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 8 | 2025-09-07 18:30 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. <br>|  | loan closed XXXXXX, doc provided earlier is XXXXXX. - 09/11/2025 <br> Please see attached - 09/10/2025 | Borrower 1 3rd Party VOE prior to close was provided. - 09/11/2025<br> documentation meet XXXXXX requirements - 09/11/2025<br> loan closed XXXXXX, doc provided earlier is XXXXXX. - 09/11/2025<br> Documentation provided doesn't meet requirements. VOE prior to close missing (10 days). - 09/10/2025<br> Please see attached - 09/10/2025 |  | 2025-09-11 16:48 | Resolved | 3 | 1 | 4 | 1 |
| XXXXXX | 304815060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 8 | 2025-09-07 18:55 | Compliance | TRID: Missing Final Closing Disclosure | The loan file does not contain the Final Closing Disclosure. final cd is missing <br>|  | Please see attached - 09/11/2025<br>| TRID: Final Closing Disclosure Provided - 09/11/2025<br>Please see attached - 09/11/2025<br>|  | 2025-09-11 16:02 | Resolved | 4 | 1 | 4 | 1 |
| XXXXXX | 304815060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 8 | 2025-09-07 19:03 | Credit | Evidence of Property Tax Missing | Missing evidence of property tax. <br>|  | Please see attached - 09/10/2025<br>| documentation meet requirements - 09/10/2025<br>Please see attached - 09/10/2025<br>|  | 2025-09-10 15:48 | Resolved | 3 | 1 | 4 | 1 |
| XXXXXX | 304815060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 4 of 8 | 2025-09-07 19:25 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-07 19:25 | Cleared | 1 | 1 | 4 | 1 |
| XXXXXX | 304815060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 5 of 8 | 2025-09-07 19:26 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Additional conditions could apply once Matrix and overlays rare received. <br>|  | Please see attached - 09/11/2025<br>| documentation meet requirements - 09/11/2025<br>Please see attached - 09/11/2025<br>|  | 2025-09-11 16:43 | Resolved | 3 | 1 | 4 | 1 |
| XXXXXX | 304815060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 6 of 8 | 2025-09-09 17:20 | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$XXXXXX are less than $0. Primary residence Minimum Reserves (Months)-24 LTV above 80%; Borrowers with multiple loans must meet the reserve requirements for each individual loan basis and each additional loan must have an additional six (6) months of reserves.<br> DU run has no required reserves as well, but for XXXXXX 2% of aggregate total financed reserves required. <br>|  | Please see attached - 09/12/2025 <br>Please see attached - 09/10/2025<br>| Original finding was due to the incorrect guidelines received for lender in regards to the applying of reserves for primary, but the REO required reserves still apply according to XXXXXX guidelines. AUS/DU guidelines followed. XXXXXXCalculation of Reserves for Multiple Financed Properties If the borrower owns other financed properties (determined in accordance with B2-2-03, Multiple Financed Properties for the Same Borrower), additional reserves must be calculated and documented for financed properties other than the subject property and the borrower's principal residence. The other financed properties reserves amount must be determined by applying a specific percentage to the aggregate of the outstanding unpaid principal balance (UPB) for mortgages and HELOCs on these other financed properties. The percentages are based on the number of financed properties: 2% of the aggregate UPB if the borrower has one to four financed properties. This isn't applied as $0 required reserves, but will move fwd with approval as is. Borrower has 2 REO's total financed $XXXXXX - 09/12/2025<br> Please see attached - 09/12/2025<br> Please provide the guidelines used. Snippet is not in guidelines XXXXXX. Per AUS/DU guidelines for reserves-<br> Calculation of Reserves for Multiple Financed Properties If the borrower owns other financed properties (determined in accordance with B2-2-03, Multiple Financed Properties for the Same Borrower), additional reserves must be calculated and documented for financed properties other than the subject property and the borrower's principal residence. The other financed properties reserves amount must be determined by applying a specific percentage to the aggregate of the outstanding unpaid principal balance (UPB) for mortgages and HELOCs on these other financed properties. The percentages are based on the number of financed properties: 2% of the aggregate UPB if the borrower has one to four financed properties. - 09/10/2025<br> Please see attached - 09/10/2025 |  | 2025-09-12 15:47 | Resolved | 3 | 1 | 4 | 1 |
| XXXXXX | 304815060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 7 of 8 | 2025-09-09 17:27 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited reserves months are less than the guideline required reserve months. Missing required reserves per XXXXXX overlay and/or XXXXXX reserve requirements. Each guideline have there specific reserve requirements not included in approval. <br>|  | Please see attached - 09/12/2025 <br>Please see attached - 09/10/2025<br>| Original finding was due to the incorrect guidelines received for lender in regards to the applying of reserves for primary, but the REO required reserves still apply according to XXXXXX guidelines. AUS/DU guidelines followed. XXXXXX-Calculation of Reserves for Multiple Financed Properties If the borrower owns other financed properties (determined in accordance with B2-2-03, Multiple Financed Properties for the Same Borrower), additional reserves must be calculated and documented for financed properties other than the subject property and the borrower's principal residence. The other financed properties reserves amount must be determined by applying a specific percentage to the aggregate of the outstanding unpaid principal balance (UPB) for mortgages and HELOCs on these other financed properties. The percentages are based on the number of financed properties: 2% of the aggregate UPB if the borrower has one to four financed properties. This isn't applied as $0 required reserves, but will move fwd with approval as is. Borrower has 2 REO's total financed $XXXXXX - 09/12/2025<br> Please see attached - 09/12/2025<br> Please provide the guidelines used. Snippet is not in guidelines XXXXXX. Per XXXXXX guidelines for reserves-<br> Calculation of Reserves for Multiple Financed Properties If the borrower owns other financed properties (determined in accordance with B2-2-03, Multiple Financed Properties for the Same Borrower), additional reserves must be calculated and documented for financed properties other than the subject property and the borrower's principal residence. The other financed properties reserves amount must be determined by applying a specific percentage to the aggregate of the outstanding unpaid principal balance (UPB) for mortgages and HELOCs on these other financed properties. The percentages are based on the number of financed properties: 2% of the aggregate UPB if the borrower has one to four financed properties. - 09/10/2025<br> Please see attached - 09/10/2025 |  | 2025-09-12 15:49 | Resolved | 3 | 1 | 4 | 1 |
| XXXXXX | 304815060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 8 of 8 | 2025-09-11 16:01 | Compliance | Federal - Finance Charge Disclosure Tolerance (Closed End) |  |  |  | Resolved - 09/11/2025<br>|  | 2025-09-11 16:03 | Resolved | 1 | 1 | 4 | 1 |
| XXXXXX | 304822448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NJ | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 3 | 2025-09-19 10:09 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Unable to locate an acceptable 3rd party valuation product in the loan file. CU score is 2.9. <br>|  | AVM - 09/29/2025 <br> The program is XXXXXX, CDA not required for it, please refer to XXXXXX - 09/25/2025 | Documentation provided is sufficient. - 09/30/2025<br> AVM - 09/29/2025<br> XXXXXX requires 3rd party valuation for all 1st liens. - 09/26/2025<br> The program is XXXXXX, CDA not required for it, please refer to XXXXXX - 09/25/2025 |  | 2025-09-30 13:05 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304822448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NJ | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 3 | 2025-09-23 15:50 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-23 15:50 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304822448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NJ | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 3 | 2025-09-23 18:25 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-23 18:25 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304843278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 3 | 2025-09-28 09:34 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd party VOE prior to close missing. Unable to locate a VVOE for B2 <br>|  | Please see attached - 10/06/2025 <br>Please see attached VOE for co-borrower - 09/30/2025<br>| Although the most recent paystub was not provided, the paystub dated XXXXXX is dated within 15 business days of the Note date. - 10/07/2025<br> Please see attached - 10/06/2025<br> Received a paystub dated XXXXXX, but the AUS requires the most recent available paystub. It appears the most recent available paystub is dated XXXXXX. Please provide the XXXXXX paystub or a VVOE for XXXXXX.<br> - 10/01/2025<br> Please see attached VOE for co-borrower - 09/30/2025 |  | 2025-10-07 18:36 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304843278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 3 | 2025-09-28 10:22 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-28 10:22 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304843278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 3 | 2025-09-29 15:42 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-29 15:42 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304818239 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 3 | 2025-09-16 15:50 | Credit | Other Property Insurance Policy Effective Date is after the Note Date | Property insurance policy effective date is after the Note Date. Effective date is XXXXXX <br>|  | Please see previous policy - 09/22/2025<br>| Loan disbursed XXXXXX and insurance effective dates were XXXXXX, before disbursement. - 09/24/2025<br> Please see previous policy - 09/22/2025 |  | 2025-09-24 04:07 | Void | 3 |  | 3 | 1 |
| XXXXXX | 304818239 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 3 | 2025-09-16 16:14 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-16 16:14 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304818239 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 3 | 2025-09-16 17:20 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-16 17:20 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304698260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 5 | 2025-09-05 13:18 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Missing the Guideline Matrix to determine conformity. Subject to additional review and conditions. <br>|  |  | Guidelines provided are sufficient. - 09/11/2025<br>|  | 2025-09-11 22:31 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304698260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 5 | 2025-09-05 14:54 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-05 14:54 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304698260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 5 | 2025-09-07 18:01 | Credit | Title - Ownership Issue | Title documents provided in the loan file reflected potential ownership issues. Provide executed transfer deed vesting borrower to subject title. <br>|  | 10/30 XXXXXX: Attached - 10/30/2025 <br> 9/29 XXXXXX- see attached - 09/29/2025 | Received executed and recorded Condominium Deed vesting borrowers to subject property. - 10/31/2025<br> 10/30 XXXXXX: Attached - 10/30/2025<br> Received Declaration of Homestead for Homes Owned by Natural Persons which is not the requested document. Please provide executed and notarized Warranty Deed or Grant Deed vesting borrower to subject property. - 10/01/2025<br> XXXXXX- see attached - 09/29/2025 |  | 2025-10-31 22:38 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304698260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 4 of 5 | 2025-09-07 18:15 | Credit | HO-6 Insurance Policy is Missing | HO-6 insurance policy is missing. <br>|  | 9/12 XXXXXX: The policy is in all-in master insurance policy, an HO-6 policy is not required - 09/12/2025 | Received explanation that includes language that says unit improvements and betterments are insured through the condominium insurance policy. - 09/15/2025<br> 9/12 XXXXXX: The policy is in all-in master insurance policy, an HO-6 policy is not required - 09/12/2025 |  | 2025-09-15 18:50 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304698260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 5 of 5 | 2025-09-07 18:39 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-07 18:39 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304768858 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 3 | 2025-09-04 17:15 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The final lock rate date is XXXXXX. Missing the XXXXXX. Subject to additional conditions. <br>|  |  | Guidelines provided are sufficient. - 09/11/2025<br>|  | 2025-09-11 21:17 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304768858 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 3 | 2025-09-04 20:03 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-04 20:03 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304768858 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 3 | 2025-09-05 18:36 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-05 18:36 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304813233 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SC | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 3 | 2025-09-04 20:05 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-04 20:05 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304813233 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SC | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 3 | 2025-09-04 20:05 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Subject to additional conditions due to eligibility matrices not included. <br>|  |  | Guidelines provided are sufficient. - 09/11/2025<br>|  | 2025-09-11 21:23 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304813233 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SC | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 3 | 2025-09-04 21:03 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-04 21:03 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304763247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 3 | 2025-09-09 14:44 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Due to the loan amount over $XXXXXX an additional full appraisal is required. Please provide additional appraisal to support the value used to qualify. <br>|  | AVM - 09/22/2025<br>| Documentation provided is sufficient. - 09/23/2025<br>AVM - 09/22/2025<br>|  | 2025-09-23 12:34 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304763247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 3 | 2025-09-09 14:53 | Credit | Assets - Earnest Money Deposit | The XXXXXX was not properly documented and/or sourced. Funds for XXXXXX were paid on XXXXXX in the amount of $XXXXXX from XXXXXX Account XXXXXX. Please document this is the borrower's account. <br>|  | 9/16XXXXXX: The XXXXXX was not sourced, it was backed out of XXXXXX account XXXXXX. The borrower had sufficient funds and this is allowable. - 09/16/2025 | Sufficient funds are acceptable. - 09/17/2025<br> 9/16 tm: The XXXXXX was not sourced, it was backed out of XXXXXX account XXXXXX. The borrower had sufficient funds and this is allowable. - 09/16/2025 |  | 2025-09-17 12:27 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304763247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 3 | 2025-09-09 16:49 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-09 16:49 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304769762 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 3 | 2025-08-29 21:55 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-08-29 21:55 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304769762 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 3 | 2025-09-03 15:29 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-03 15:29 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304769762 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 3 | 2025-09-04 16:49 | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | 2025-09-04 16:50 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304754839 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 3 | 2025-09-08 18:35 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-08 18:35 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304754839 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 3 | 2025-09-09 14:52 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-09 14:52 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304754839 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 3 | 2025-09-09 18:07 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-09 18:07 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304764118 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 3 | 2025-09-06 13:50 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Missing the Guideline Matrix to determine conformity, subject to additional review and conditions. <br>|  |  | Guidelines provided are sufficient. - 09/11/2025<br>|  | 2025-09-11 18:51 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304764118 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 3 | 2025-09-07 01:31 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Loan was processed through XXXXXX, and the XXXXXX results were not found in file. <br>|  | 9/16 XXXXXX: They are not needed, as an acceptable alternative secondary valuation was provided in place of the XXXXXX messages. - 09/16/2025 | Received explanation and XXXXXX AVM found in file w/93% confidence score and value supported with -10% variance. - 09/18/2025<br> 9/16 XXXXXX: They are not needed, as an acceptable alternative secondary valuation was provided in place of the XXXXXX messages. - 09/16/2025 |  | 2025-09-18 09:25 | Void | 3 |  | 3 | 1 |
| XXXXXX | 304764118 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 3 | 2025-09-07 01:32 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-07 01:32 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304765393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 4 | 2025-09-02 18:08 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-02 18:08 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304765393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 4 | 2025-09-04 14:12 | Credit | Evidence of Property Tax Missing | Missing evidence of property tax. Missing evidence of property tax $XXXXXX used in the transaction. <br>|  | 9/10 XXXXXX: When underwriting a purchase loan in California, the underwriter will default to calculating the property taxes at 1.25% of the purchase price unless tax documentation is provided by the broker.<br>The underwriter will enter the 1.25% estimate by selecting 'Enter Millage Rate' and inputting XXXXXX in the 'Millage Rate' box in the Taxes tab of the Property screen. - 09/10/2025 | Used $XXXXXX=$XXXXXX for property tax. - 09/11/2025<br> Evidence of property tax is present - 09/11/2025<br> 9/10 XXXXXX: When underwriting a purchase loan in California, the underwriter will default to calculating the property taxes at 1.25% of the purchase price unless tax documentation is provided by the broker.<br>The underwriter will enter the 1.25% estimate by selecting 'Enter Millage Rate' and inputting 12.50 in the 'Millage Rate' box in the Taxes tab of the Property screen. - 09/10/2025 |  | 2025-09-11 12:19 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304765393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 4 | 2025-09-04 14:12 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Missing XXXXXX to verify loan conformity. <br>|  |  | Guidelines provided are sufficient. - 09/11/2025<br>|  | 2025-09-11 20:50 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304765393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 4 of 4 | 2025-09-04 14:13 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Missing XXXXXX 3rd party valuation as the loan is XXXXXX. <br>|  | 9/16 XXXXXX: The guidelines do not state that the SSRs need to match the loan. The current CU/LCA score (completed by XXXXXX) still supports the valuation. - 09/16/2025 <br> 9/12 XXXXXX: According to the JXXXXXXsecondary valuation, in addition to the initial appraisal, is required on all loans. This secondary valuation cannot be more than 10% less than the initial appraisal. Acceptable options for a secondary valuation include: • An acceptable CU/LCA score (completed by XXXXXX<br>Please see attached copy of the CU/LCA score that is sufficient - 09/12/2025 <br> 9/10 XXXXXX: Please see attached document. - 09/10/2025 | Per communication with JXXXXXX, If the CU score is <=2.5 or the LCA score makes it eligible for R&W collateral relief, we are ok considering either a supportive secondary valuation. CU score is 2- acceptable. - 09/22/2025<br> 9/16 XXXXXX: The guidelines do not state that the SSRs need to match the loan. The current CU/LCA score (completed by XXXXXX) still supports the valuation. - 09/16/2025<br> This loan was approved via XXXXXX. Per XXXXXX guidelines, " For mortgages where an appraisal is required, XXXXXXc's XXXXXX tool may grant representation and warranty relief for the property value if a review of the appraisal meets their requirements." Provide a LCA or (AVM, CDA etc). - 09/16/2025<br> 9/12 XXXXXX: According to the XXXXXX secondary valuation, in addition to the initial appraisal, is required on all loans. This secondary valuation cannot be more than 10% less than the initial appraisal. Acceptable options for a secondary valuation include: • An acceptable CU/LCA score (completed by XXXXXX<br>Please see attached copy of the CU/LCA score that is sufficient - 09/12/2025<br> A duplicate of the Appraisal already captured was provided. Missing the XXXXXX LCA 3rd party valuation as this is a XXXXXX loan. - 09/11/2025<br> 9/10 XXXXXX: Please see attached document. - 09/10/2025 |  | 2025-09-22 17:09 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304820276 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXXXX | 1 of 3 | 2025-09-12 06:37 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-12 06:37 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304820276 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXXXX | 2 of 3 | 2025-09-12 06:37 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-12 06:37 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304820276 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXXXX | 3 of 3 | 2025-09-15 17:47 | Compliance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | The total amount of the 10% category fees on the last Closing Disclosure ($315.00) has increased by more than 10% over the current baseline value of ($285.00). The total amount of fees in the 10% category cannot exceed ($313.50). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The recording fee increased from $285 on the initial Loan Estimate to $315 on the final without a valid change in circumstance present, which is $1.50 over the 10% tolerance. Provide PCCD, refund of $1.50, LOE and proof of mailing <br>|  | recording fees did not increase based on final settlement statement from escrow - 09/24/2025<br>| Received PCCD, settlement statement - 09/25/2025<br>Resolved - 09/25/2025<br>recording fees did not increase based on final settlement statement from escrow - 09/24/2025<br>|  | 2025-09-25 16:25 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304758932 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NC | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 3 | 2025-09-18 10:03 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-18 10:03 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304758932 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NC | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 3 | 2025-09-18 12:51 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-18 12:51 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304758932 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NC | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 3 | 2025-09-25 19:46 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  | The loan meets all applicable credit guidelines. - 09/25/2025<br>|  | 2025-09-25 19:46 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304779979 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 3 | 2025-09-08 15:14 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-08 15:14 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304779979 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 3 | 2025-09-08 17:30 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-08 17:30 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304779979 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 3 | 2025-09-10 17:34 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Please provide the matrix for this particular loan. Loan is subject to additional findings upon receipt. <br>|  |  | Updated matrix provided is sufficient. - 09/19/2025<br>|  | 2025-09-19 16:53 | Resolved | 3 | 1 | 3 | 1 |

---

## Exhibit 99.19

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.19**

![](maxwelllogo.jpg)

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| | |
|:---|:---|
| Client | JPMMT 2025-11 |
| Transaction | JPMMT 2025-11 |
| Date | 11/26/2025 |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| XXXXXX | 304833208 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXXXX | 304815060 | XXXXXX | XXXXXX | XXXXXX | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 D A C |
| XXXXXX | 304822448 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXXXX | 304843278 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXXXX | 304818239 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 A |
| XXXXXX | 304698260 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXXXX | 304768858 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXXXX | 304813233 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXXXX | 304763247 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| XXXXXX | 304769762 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXXXX | 304754839 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXXXX | 304764118 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| XXXXXX | 304765393 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| XXXXXX | 304820276 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXXXX | 304758932 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 A |
| XXXXXX | 304779979 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |

---

## Exhibit 99.20

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.20**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXXX | XXXXXX | 304833208 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXXXX | XXXXXX | .0784 | XXXXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 |  |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |
| XXXXXX | XXXXXX | 304815060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 89.27 | 89.27 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | REASONABLE | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| XXXXXX | XXXXXX | 304822448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 69.97 | 69.97 | XXXXXX | XXXXXX | .0108 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0108 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304843278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 89.1 | 89.1 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXXXX | Eligible | 1 | XXXXXX |
| XXXXXX | XXXXXX | 304818239 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 69.17 | 69.17 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXXXX | Not Eligible | 1 | XXXXXX |
| XXXXXX | XXXXXX | 304698260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 79.06 | 79.06 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXXXX |
| XXXXXX | XXXXXX | 304768858 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 42.47 | 42.47 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXXXX |
| XXXXXX | XXXXXX | 304813233 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 64.52 | 64.52 | XXXXXX | XXXXXX | -.0746 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0746 | XXXXXX | MODERATE RISK | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304763247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0362 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0362 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304769762 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 60.0 | 60.0 | XXXXXX | XXXXXX | -.0195 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0195 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304754839 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 69.91 | 69.91 | XXXXXX | XXXXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  |  | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXXXX |
| XXXXXX | XXXXXX | 304764118 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0127 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0127 | 93.0 | 0.07 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304765393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 71.39 | 71.39 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXXXX |
| XXXXXX | XXXXXX | 304820276 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.0 | 79.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| XXXXXX | XXXXXX | 304758932 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXXXX | Eligible | 1.4 | XXXXXX |
| XXXXXX | XXXXXX | 304779979 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXXXX |

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## Exhibit 99.21

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.21**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXXX | XXXXXX | 304833208 | Borrower 1 Self-Employment Flag | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304833208 | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304843278 | Qualifying CLTV | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304843278 | Qualifying LTV | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304818239 | Qualifying LTV | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304818239 | Qualifying CLTV | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304698260 | Qualifying LTV | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304698260 | Qualifying CLTV | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304769762 | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | XXXXXX |

---