# EDGAR Filing Document

**Accession Number:** 0001991364
**File Stem:** 0001539497-26-001055
**Filing Date:** 2026-3
**Character Count:** 767841
**Document Hash:** 74148bf45e90d01aa351bfa36bf75533
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001539497-26-001055.hdr.sgml**: 20260330

**ACCESSION NUMBER**: 0001539497-26-001055

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

**PUBLIC DOCUMENT COUNT**: 21

**CONFORMED PERIOD OF REPORT**: 20260330

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

**FILED AS OF DATE**: 20260330

**DATE AS OF CHANGE**: 20260330

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Other

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06667
- **FILM NUMBER:** 26812994

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

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

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

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

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

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

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

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

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

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

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

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

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G**

**OF THE SECURITIES EXCHANGE ACT OF 1934**

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

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

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

Commission File Number of securitizer: ___________

Central Index Key Number of securitizer: ___________

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

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

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

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

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

Central Index Key Number of depositor: 0001991364

---

| |
|:---|
| **Chase Home Lending Mortgage Trust 2026-4** |
| (Exact name of issuing entity as specified in its charter) |

---

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

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

---

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

---

**INFORMATION TO BE INCLUDED IN THE REPORT**

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

N/A

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

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

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

**SIGNATURES**

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

---

| | | | |
|:---|:---|:---|:---|
| Date: March 30<u>,</u> 2026 |  |  |  |
|  | J.P. MORGAN RESIDENTIAL MORTGAGE <br> ACCEPTANCE CORP. (Depositor) | J.P. MORGAN RESIDENTIAL MORTGAGE <br> ACCEPTANCE CORP. (Depositor) | J.P. MORGAN RESIDENTIAL MORTGAGE <br> ACCEPTANCE CORP. (Depositor) |
|  | By: | /s/ Bithun John | /s/ Bithun John |
|  |  | Name: | Bithun John |
|  |  | Title: | President |

---

**EXHIBIT INDEX**

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

99.2 AMC Pool 1 Rating Agency Grades

99.3 AMC Pool 1 Exception Grades

99.4 AMC Pool 1 Valuation Report

99.5 AMC Pool 1 Data Compare Summary

99.6 AMC Pool 1 Data Compare

99.7 OPUS Pool 2 Narrative

99.8 OPUS Pool 2 Standard Filings Report

99.9 OPUS Pool 2 Rating Agency Grades

99.10 OPUS Pool 2 Valuation Report

99.11 OPUS Pool 2 Data Compare

99.12 AMC Pool 3 Executive Summary

99.13 AMC Pool 3 Rating Agency Grades

99.14 AMC Pool 3 Exception Grades

99.15 AMC Pool 3 Valuation Report

99.16 AMC Pool 3 Data Compare Summary

99.17 AMC Pool 3 Data Compare

## Exhibit 99.1

**Exhibit 99.1**

![](n5785amc_logo.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("**AMC**") performed certain due diligence services described below on non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of JPMorgan Chase Bank, N.A. ("**Client**") from April 2025 to February 2026 via files imaged and provided by JPMorgan Chase Bank, N.A. for review (the "**Review**").

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

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

The Review was conducted on a total population of nine (9) loans. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

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

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

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

---

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

---

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

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

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

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

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

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

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

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

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

**DU/LP/Turbo Review** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
TIL;

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

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

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

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

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

**(9) Disclaimer.**

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

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY**

There were nine (9) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, four (4) loans had an Overall loan grade of "A", and five (5) loans had an Overall loan grade of "B".

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|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;2 | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;2 | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;2 | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;2 | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;2 | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**3** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**7** |

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**COMPLIANCE RESULTS SUMMARY**

Of the nine (9) loans reviewed, under the applicable NRSRO grading criteria, six (6) loans had a Compliance Review "A" grade, and three (3) loans had a Compliance Review grade of "B".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the nine (9) loans reviewed, under the applicable NRSRO grading criteria, all the loans had a Property Review "A" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**CREDIT REVIEW RESULTS SUMMARY**

Of the nine (9) loans reviewed, under the applicable NRSRO grading criteria, six (6) loans had a Credit Review "A" grade, and three (3) loans had a Credit Review grade of "B".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the nine (9) mortgage loans reviewed, two (2) (22.22%) mortgage loans had tape discrepancies across one (1) unique data field. The discrepancies were for Initial Rate Lock Date (22.22%).

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| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Amortization Term | 0 | 8 | 0.00% | 9 |
| Amortization Type | 0 | 9 | 0.00% | 9 |
| Appraisal Effective Date | 0 | 9 | 0.00% | 9 |
| Appraised Value | 0 | 8 | 0.00% | 9 |
| Balloon Flag | 0 | 9 | 0.00% | 9 |
| Borrower Qualifying FICO | 0 | 9 | 0.00% | 9 |
| City | 0 | 9 | 0.00% | 9 |
| Coborrower Qualifying FICO | 0 | 5 | 0.00% | 9 |
| Contract Sales Price | 0 | 9 | 0.00% | 9 |
| Initial Rate Lock Date | 2 | 9 | 22.22% | 9 |
| Investor: Qualifying Total Debt Ratio | 0 | 9 | 0.00% | 9 |
| Lien Position | 0 | 9 | 0.00% | 9 |
| LTV Valuation Value | 0 | 1 | 0.00% | 9 |
| Note Date | 0 | 9 | 0.00% | 9 |

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| | | | | |
|:---|:---|:---|:---|:---|
| Occupancy | 0 | 9 | 0.00% | 9 |
| Original CLTV | 0 | 9 | 0.00% | 9 |
| Original Interest Rate | 0 | 9 | 0.00% | 9 |
| Original Loan Amount | 0 | 9 | 0.00% | 9 |
| Original LTV | 0 | 9 | 0.00% | 9 |
| Original Term | 0 | 1 | 0.00% | 9 |
| Origination Channel | 0 | 9 | 0.00% | 9 |
| Property Type | 0 | 9 | 0.00% | 9 |
| Purpose | 0 | 9 | 0.00% | 9 |
| Representative FICO | 0 | 9 | 0.00% | 9 |
| State | 0 | 9 | 0.00% | 9 |
| Zip | 0 | 9 | 0.00% | 9 |
| **Total** | **2** | **212** | **0.94%** | **9** |

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**ADDITIONAL LOAN POPULATION SUMMARY\***

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Originator Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Higher Priced QM (APOR) | 1 | 11.11% | $83000.00 | 0.89% |
| Safe Harbor QM (APOR) | 8 | 88.89% | $9227400.00 | 99.11% |
| **Total** | **9** | **100.00%** | **$9310400.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Fixed | 9 | 100.00% | $9310400.00 | 100.00% |
| **Total** | **9** | **100.00%** | **$9310400.00** | **100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| 1 | 9 | 100.00% | $9310400.00 | 100.00% |
| **Total** | **9** | **100.00%** | **$9310400.00** | **100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 1 | 11.11% | $83000.00 | 0.89% |
| Other-than-first-time Home Purchase | 6 | 66.67% | $7299000.00 | 78.40% |
| Rate/Term Refinance - Borrower Initiated | 2 | 22.22% | $1928400.00 | 20.71% |
| **Total** | **9** | **100.00%** | **$9310400.00** | **100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| 121-180 Months | 1 | 11.11% | $83000.00 | 0.89% |
| 241-360 Months | 8 | 88.89% | $9227400.00 | 99.11% |
| **Total** | **9** | **100.00%** | **$9310400.00** | **100.00%** |

---

13 \| P a g e

![](n5785amc_logo.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Single Family Detached | 4 | 44.44% | $5190150.00 | 55.75% |
| Co-op | 1 | 11.11% | $83000.00 | 0.89% |
| Condo, High Rise | 1 | 11.11% | $480000.00 | 5.16% |
| PUD | 3 | 33.33% | $3557250.00 | 38.21% |
| **Total** | **9** | **100.00%** | **$9310400.00** | **100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Primary | 9 | 100.00% | $9310400.00 | 100.00% |
| **Total** | **9** | **100.00%** | **$9310400.00** | **100.00%** |

---

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

**EXCEPTION DETAIL**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Exception** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Total** |
| TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | Compliance B | 1 |
| General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | Compliance B | 1 |
| TRID Final Closing Disclosure Amount Financed Test | Compliance B | 1 |
| TRID Final Closing Disclosure Finance Charge | Compliance B | 1 |
| Credit Exception: | Credit B | 1 |
| AUS/Guideline Findings: All conditions were not met | Credit B | 1 |
| Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Credit B | 1 |

---

14 \| P a g e

## Exhibit 99.2

**Exhibit 99.2**

![](n5785situsamc_logo.jpg)

**Rating Agency Grades**

**Run Date - 3/20/2026 8:01:08 AM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 223279253 |  | 3158623373 |  |  | B | C | A | C | B | A | A | B |  |
| 223519762 |  | 3158623215 |  |  | C | C | A | C | B | A | A | B |  |
| 224304496 |  | 3158623221 |  |  | A | C | A | C | A | A | A | A |  |
| 224304507 |  | 3158623222 |  |  | A | C | A | C | A | B | A | B |  |
| 224304697 |  | 3158623467 |  |  | A | C | A | C | A | A | A | A |  |
| 224304716 |  | 3158623650 |  |  | C | C | A | C | B | B | A | B |  |
| 225033281 |  | 3158623447 |  |  | A | C | A | C | A | A | A | A |  |
| 225033315 |  | 3158623491 |  |  | C | A | A | C | A | A | A | A |  |
| 225033342 |  | 3158623659 |  |  | A | C | A | C | A | B | A | B |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](n5785situsamc_logo.jpg)

**Exception Grades**

**Run Date - 3/20/2026 8:01:08 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 223279253 |  | 3158623373 |  | 33370381 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception of waiver of evidence of receipt of newly set up IRA. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum <br> by at least [Redacted] points.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the <br> amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this <br> purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-29): Exception approved, <br> with comp factors. |  |  | 04/29/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223279253 |  | 3158623373 |  | 33365480 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection fee $[Redacted] added on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-05-02): [Redacted] received a valid COC.<br>Buyer Comment (2025-04-30): Do Not Concur. When the appraisal was received it identified several items that needed to be completed and so a final inspection was ordered. Please see CIC and notes. | 05/02/2025 |  |  | 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 |
| 223519762 |  | 3158623215 |  | 33649174 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing valid third party verification of self-employment for income used to qualify, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-06-16): third party verification of employment received<br>Buyer Comment (2025-06-16): Please review uploaded VOE. | 06/16/2025 |  |  | 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 |
| 223519762 |  | 3158623215 |  | 33649175 |  | 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. | Waterfall finding due to missing valid third party verification of self-employment for income used to qualify. |  |  |  | Reviewer Comment (2025-06-16): third party verification of employment received<br>Buyer Comment (2025-06-16): Please review uploaded VOE. | 06/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223519762 |  | 3158623215 |  | 33655777 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing valid third party verification of self-employment for income used to qualify. |  |  |  | Reviewer Comment (2025-06-16): third party verification of employment received<br>Buyer Comment (2025-06-16): Please review uploaded VOE. | 06/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223519762 |  | 3158623215 |  | 33655779 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing valid third party verification of self-employment for income used to qualify. |  |  |  | Reviewer Comment (2025-06-16): third party verification of employment received<br>Buyer Comment (2025-06-16): Please review uploaded VOE. | 06/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223519762 |  | 3158623215 |  | 33655783 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more <br> guideline components, the loan is at QM risk. | Waterfall finding due to missing valid third party verification of self-employment for income used to qualify. |  |  |  | Reviewer Comment (2025-06-16): third party verification of employment received<br>Buyer Comment (2025-06-16): Please review uploaded VOE. | 06/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223519762 |  | 3158623215 |  | 33655784 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing valid third party verification of self-employment for income used to qualify. |  |  |  | Reviewer Comment (2025-06-16): third party verification of employment received<br>Buyer Comment (2025-06-16): Please review uploaded VOE. | 06/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223519762 |  | 3158623215 |  | 33655803 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Correspondent Universal Exception Form in file for lender exception of mortgage late < [Redacted]mo. prior to Note date. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-13): Exception approved, with comp factors. |  |  | 06/13/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224304496 |  | 3158623221 |  | 34847949 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. The earliest dated E-consent in file is dated [Redacted]. |  |  |  | Reviewer Comment (2026-01-29): proof of e-consent being same day as borrower signed document has been received<br>Buyer Comment (2026-01-29): Section 6 of initial 1003 e-signed on [Redacted], the same day the initial LE dated [Redacted] was signed, indicates "If this application is created as (or converted into) an "electronic application", I consent to the use of "electronic records" and "electronic signatures" as the terms are defined in and governed by applicable Federal<br> and/or state electronic transactions laws." | 01/29/2026 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224304507 |  | 3158623222 |  | 34844890 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Pest Inspection fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-01-29): PCCD, LOX, refund check and proof of mailing has been received<br>Buyer Comment (2026-01-29): Please review uploaded PCCD, LOE, copy of refund check and proof of mailing. |  | 01/29/2026 |  | 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 |
| 224304697 |  | 3158623467 |  | 34880564 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-11-12): appraisal acknowledgement form received<br>Buyer Comment (2025-11-12): Please review Appraisal receipt attached | 11/12/2025 |  |  | 1 B A |  | PA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224304697 |  | 3158623467 |  | 34880567 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of the application date. |  |  |  | Reviewer Comment (2026-01-30): disclosure received<br>Buyer Comment (2026-01-30): Please review Counseling attached | 01/30/2026 |  |  | 1 B A |  | PA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224304697 |  | 3158623467 |  | 34880568 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2026-01-30): valid COC received<br>Buyer Comment (2026-01-30): Please review the valid change in circumstance form attached. | 01/30/2026 |  |  | 1 C A |  | PA | 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 |
| 224304697 |  | 3158623467 |  | 34880586 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Tax Service Fee (Life Of Loan) Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-11-13): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-11-12): cure provided on Final CD Category J. $[Redacted] credit for increase in Closing Costs above legal limit, please clear exception | 11/13/2025 |  |  | 1 C A |  | PA | 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 |
| 224304716 |  | 3158623650 |  | 34843485 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the Appraisal Fee of $[Redacted] POC, the Processing Fee ($[Redacted]) POC, plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Additionally, guidelines require 12 months of reserves for this loan ($[Redacted]), and there are only [Redacted] months of reserves verified ($[Redacted]). The Robinhood account ($[Redacted]) belongs to the non-borrowing spouse and has been excluded from use. |  |  |  | Reviewer Comment (2025-11-13): updated bank statement with supporting explanation documentation acceptable and loan now meets reserve requirements.<br>Buyer Comment (2025-11-13): Attached explanation on assets | 11/13/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224304716 |  | 3158623650 |  | 34892576 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Escalation Form in file for lender exception of DTI exceeding guideline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has verified disposable income of at least $[Redacted]<br>Borrower has worked in the same position for more than [Redacted] years. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-04): Exception approved, with comp factors. |  |  | 11/04/2025 | 2 B |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224304716 |  | 3158623650 |  | 34892554 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exception of DTI exceeding guideline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has verified disposable income of at least $[Redacted]<br>Borrower has worked in the same position for more than [Redacted] years. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-04): Exception approved, with comp factors. |  |  | 11/04/2025 | 2 B |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224304716 |  | 3158623650 |  | 34892547 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Borrower manually changed citizenship status on final 1003 to Permanent Resident Alien. No supporting documentation provided. |  |  |  | Reviewer Comment (2026-02-04): naturalization documentation received<br>Buyer Comment (2026-02-04): Naturalization Certificate | 02/04/2026 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224304716 |  | 3158623650 |  | 34843499 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to shortage of reserves. |  |  |  | Reviewer Comment (2025-11-13): updated bank statement with supporting explanation documentation acceptable and loan now meets reserve requirements. | 11/13/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224304716 |  | 3158623650 |  | 34843498 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to shortage of reserves, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-11-13): updated bank statement with supporting explanation documentation acceptable and loan now meets reserve requirements. | 11/13/2025 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225033281 |  | 3158623447 |  | 35705978 |  | 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 Higher Priced QM (APOR). | riginator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2026-02-11): updated high cost analysis shows rebuttable presumption<br>Buyer Comment (2026-02-11): Do Not Concur - see attached.<br>Reviewer Comment (2026-02-10): Our finding is based on a lock date of [Redacted], which<br> identifies the APOR used to determine whether the loan would be considered safe harbor<br> or higher-priced. The APOR pulls from [Redacted], which is [Redacted]% + [Redacted]%<br> margin, setting a threshold of [Redacted]%. The APR of [Redacted]% exceeds this<br> threshold and therefore the loan is considered higher-priced QM. If client would restate<br> their loan designation to HPQM, this can be set as an EV-2 mismatch exception instead of<br> the current EV-3.<br>Buyer Comment (2026-02-06): Do Not Concur. Please see QM and Reg Testing info uploaded | 02/11/2026 |  |  | 1 B A C |  | NY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225033281 |  | 3158623447 |  | 35705993 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Valid COC is not available for Processing Fee. |  |  |  | Reviewer Comment (2026-02-03): Sufficient Cure Provided At Closing |  | 02/03/2026 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225033281 |  | 3158623447 |  | 35705994 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Valid COC is not available for Flood Certification (Initial Fee). |  |  |  | Reviewer Comment (2026-02-03): Sufficient Cure Provided At Closing |  | 02/03/2026 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225033281 |  | 3158623447 |  | 35705995 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Valid COC is not available for Flood Certification (Life Of Loan). |  |  |  | Reviewer Comment (2026-02-03): Sufficient Cure Provided At Closing |  | 02/03/2026 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225033281 |  | 3158623447 |  | 35706005 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). (Final/[Redacted]) |  |  |  | Reviewer Comment (2026-02-09): Fees were cured at closing<br>Buyer Comment (2026-02-09): Do not Concur. The Project processing fee $[Redacted], and both Flood fees $[Redacted] is already cured at closing due to tolerance fee violations. Please remove these fees from the prepaid calculations.<br>Reviewer Comment (2026-02-09): screenshots provided appear to be for a different loan<br>Buyer Comment (2026-02-09): Please verify charges used in the finance charge calculation as [Redacted] is unable to locate the same fees used on the final closing disclosure. | 02/09/2026 |  |  | 1 C A |  | NY | 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) | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225033281 |  | 3158623447 |  | 35706006 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/3091895) |  |  |  | Reviewer Comment (2026-02-06): Final CD has projected payment information matching actual totals.<br>Buyer Comment (2026-02-06): Do Not Concur. Please see Final closing disclosure, note, system snip, and Homeowner's declaration page. P&I = [Redacted] + (HO of $[Redacted] / [Redacted]) = $[Redacted] = $[Redacted] which is what the payment was disclosed to the customer on the final CD. | 02/06/2026 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225033281 |  | 3158623447 |  | 35706007 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). |  |  |  | Reviewer Comment (2026-02-09): Fees were cured at closing<br>Buyer Comment (2026-02-09): Do not Concur. The Project processing fee $[Redacted], and both Flood fees $[Redacted] is already cured at closing due to tolerance fee violations. Please remove these fees from the prepaid calculations.<br>Reviewer Comment (2026-02-09): screenshots provided appear to be for a different loan<br>Buyer Comment (2026-02-09): Please verify charges used in the finance charge calculation as [Redacted] is unable to locate the same fees used on the final closing disclosure. | 02/09/2026 |  |  | 1 C A |  | NY | 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) | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225033315 |  | 3158623491 |  | 35708999 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | [Redacted] uses FannieMae's definition of acceptable coverage. Fannie Mae requires coverage equal to the lesser of the following: 100% of the insurable value of the improvements, as established by the property insurer; or the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount-80% of the insurable value of the improvements-required to compensate for damage or loss on a replacement cost basis. If it does not, then coverage that does provide the minimum required amount must be obtained. HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-02-12): evidence of acceptable HOI coverage has been received<br>Buyer Comment (2026-02-11): Please see attached confirming total coverage of $[Redacted].<br>Buyer Comment (2026-02-11): Do not concur-property has two policies totaling $[Redacted] please cancel exception | 02/12/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225033342 |  | 3158623659 |  | 35711747 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Disclosure disclosed a Finance Charges are $[Redacted]. The calculated Finance charges is $[Redacted]. There is a variance of $[Redacted]. |  |  |  | Reviewer Comment (2026-02-11): PCCD, LOX, check, and proof of delivery received<br>Buyer Comment (2026-02-11): Please see attached PCCD package<br>Reviewer Comment (2026-02-10): Our client has elected to apply lender credits to non-finance charge amounts before applying amounts to finance charge amounts. There are no tolerance exceptions on the loan file nor are there any other finance charges as all other charges are paid by the Lender.<br>Buyer Comment (2026-02-10): Do not Concur. [Redacted] is only including the project fee as prepaids. They need to include all other prepaid fees in the calculations. Tax service fee, Insured closing letter, Recording service, Settlement or closing fee, prepaid interest<br>Reviewer Comment (2026-02-09): [Redacted] received rebuttal on the cure at closing on the Project Processing Fee which was excluded from the finance charge calculation. However, [Redacted]'s calculation reflects finance charge of $[Redacted] but lender disclosed at $[Redacted] which would be a total underdisclosure of $[Redacted]. Finance Charge underdisclosure must be cured in full and would have been short $[Redacted] of cure to borrower. Unable to determine lender's calculations as missing lender compliance report & amortization schedule. Can provide lender's calculation in order to review calculation or would need to cure the shortage of $[Redacted] with Corrected CD, LOE to borrower, copy of cure refund, proof of mailing and proof of reopening of rescission. Cures under 130(b) require the consumer does not pay an amount that exceeds the charge actually disclosed. Refund of the entire underdisclosed amount is required. The self-corrective cure provisions specifically requires the lender assure the consumer does not pay an amount that exceeds the charge actually disclosed. To accomplish this, a refund of the amount that was underdisclosed is required. Note: The correction does not reference bringing the amount that the loan was underdisclosed to an amount within the permissible tolerance to be considered accurate. If the lender only refunds the delta between the under-disclosure and the permissible tolerance, it would not be deemed to be a remediation in accordance with 130(b) and therefore by not refunding the entire amount the exception will remain as an EV3-C.<br>Buyer Comment (2026-02-09): Do not Concur. [Redacted] is requesting details on a fee that is already cured at closing for the tolerance fee violation. No action required.<br>Reviewer Comment (2026-02-09): For further review, please provide the purpose of the Project Processing fee.<br>Buyer Comment (2026-02-06): Do not Concur. The project processing fee $[Redacted] was already cured at closing and should not be included as prepaid |  | 02/11/2026 |  | 2 C B |  | VA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225033342 |  | 3158623659 |  | 35711748 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Disclosure disclosed a Finance Charges are $$[Redacted]. The calculated Finance charges is $[Redacted]. There is a variance of $[Redacted]. |  |  |  | Reviewer Comment (2026-02-11): PCCD, LOX, check, and proof of delivery received<br>Buyer Comment (2026-02-11): Please see attached PCCD package<br>Reviewer Comment (2026-02-10): Our client has elected to apply lender credits to non-finance charge amounts before applying amounts to finance charge amounts. There are no tolerance exceptions on the loan file nor are there any other finance charges as all other charges are paid by the Lender.<br>Buyer Comment (2026-02-10): Do not Concur. [Redacted] is only including the project fee as prepaids. They need to include all other prepaid fees in the calculations. Tax service fee, Insured closing letter, Recording service, Settlement or closing fee, prepaid interest<br>Reviewer Comment (2026-02-09): [Redacted] received rebuttal on the cure at closing on the Project Processing Fee which was excluded from the finance charge calculation. However, [Redacted]'s calculation reflects finance charge of $[Redacted] but lender disclosed at $[Redacted] which would be a total underdisclosure of $[Redacted]. Finance Charge underdisclosure must be cured in full and would have been short $[Redacted] of cure to borrower. Unable to determine lender's calculations as missing lender compliance report & amortization schedule. Can provide lender's calculation in order to review calculation or would need to cure the shortage of $[Redacted] with Corrected CD, LOE to borrower, copy of cure refund, proof of mailing and proof of reopening of rescission. Cures under 130(b) require the consumer does not pay an amount that exceeds the charge actually disclosed. Refund of the entire underdisclosed amount is required. The self-corrective cure provisions specifically requires the lender assure the consumer does not pay an amount that exceeds the charge actually disclosed. To accomplish this, a refund of the amount that was underdisclosed is required. Note: The correction does not reference bringing the amount that the loan was underdisclosed to an amount within the permissible tolerance to be considered accurate. If the lender only refunds the delta between the under-disclosure and the permissible tolerance, it would not be deemed to be a remediation in accordance with 130(b) and therefore by not refunding the entire amount the exception will remain as an EV3-C.<br>Buyer Comment (2026-02-09): Do not Concur. [Redacted] is requesting details on a fee that is already cured at closing for the tolerance fee violation. No action required.<br>Reviewer Comment (2026-02-09): For further review, please provide the purpose of the Project Processing fee.<br>Buyer Comment (2026-02-06): Do not Concur. The project processing fee $[Redacted] was already cured at closing and should not be included as prepaid |  | 02/11/2026 |  | 2 C B |  | VA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |

---

## Exhibit 99.4

**Exhibit 99.4**

![](n5785situsamc_logo.jpg)

**Valuation Report** 

**Run Date - 3/20/2026 8:01:08 AM** 

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 223279253 |  | 3158623373 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.30 |
| 223519762 |  | 3158623215 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.80 |
| 224304496 |  | 3158623221 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 224304507 |  | 3158623222 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 224304697 |  | 3158623467 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 224304716 |  | 3158623650 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225033281 |  | 3158623447 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225033315 |  | 3158623491 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225033342 |  | 3158623659 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |

---

## Exhibit 99.5

**Exhibit 99.5**

![](n5785situsamc_logo.jpg)

**Data Compare Summary (Total)**

**Run Date - 3/20/2026 7:56:40 AM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 0 | 9 | 0.00% | 9 |
| State | 0 | 9 | 0.00% | 9 |
| Zip | 0 | 9 | 0.00% | 9 |
| Note Date | 0 | 9 | 0.00% | 9 |
| Original Loan Amount | 0 | 9 | 0.00% | 9 |
| Original Term | 0 | 1 | 0.00% | 9 |
| Original Interest Rate | 0 | 9 | 0.00% | 9 |
| Borrower Qualifying FICO | 0 | 9 | 0.00% | 9 |
| Amortization Type | 0 | 9 | 0.00% | 9 |
| Representative FICO | 0 | 9 | 0.00% | 9 |
| Property Type | 0 | 9 | 0.00% | 9 |
| Lien Position | 0 | 9 | 0.00% | 9 |
| Occupancy | 0 | 9 | 0.00% | 9 |
| Purpose | 0 | 9 | 0.00% | 9 |
| Contract Sales Price | 0 | 9 | 0.00% | 9 |
| Balloon Flag | 0 | 9 | 0.00% | 9 |
| Original CLTV | 0 | 9 | 0.00% | 9 |
| Original LTV | 0 | 9 | 0.00% | 9 |
| Origination Channel | 0 | 9 | 0.00% | 9 |
| Appraisal Effective Date | 0 | 9 | 0.00% | 9 |
| LTV Valuation Value | 0 | 1 | 0.00% | 9 |
| Investor: Qualifying Total Debt Ratio | 0 | 9 | 0.00% | 9 |
| Initial Rate Lock Date | 2 | 9 | 22.22% | 9 |
| Amortization Term | 0 | 8 | 0.00% | 9 |
| Coborrower Qualifying FICO | 0 | 5 | 0.00% | 9 |
| Appraised Value | 0 | 8 | 0.00% | 9 |
| **Total** | **2** | **212** | **0.94%** | **9** |

---

## Exhibit 99.6

**Exhibit 99.6**

![](n5785situsamc_logo.jpg)

**Data Compare (Non-Ignored)**

**Run Date - 3/20/2026 7:57:28 AM** 

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 223279253 |  | 3158623373 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225033281 |  | 3158623447 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |

---

## Exhibit 99.7

**Exhibit 99.7**

![](n5785opus_logo.jpg)

Chase 2026-4 Pool 2

JPMorgan

Opus Capital Markets Consultants, LLC

5718 Westheimer Rd – Suite 1000 \| Houston, TX 77057 \| <u>www.opuscmc.com</u> \| 224.632.1300

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| Narrative – Chase 2026-4 Pool 2 | Page 1 of **20** |

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**Executive Narrative**

**March 23, 2026**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**JPMorgan** 

The report summarizes the results of a due diligence review performed on a pool of two (2) loans, of which was purchased by JPMorgan Chase Bank, National Association, as successor by merger to J.P. Morgan Mortgage Acquisition Corp. ("Customer") from an originator (the "Originator") who is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains two (2) credit and compliance loans and was re-underwritten in accordance with the lender guidelines described herein.

**Credit Review**

**Credit Qualification**

A re-underwriting review was conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms was performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as specified
 by the Client. In lieu of specific requirements, Consultant should consider Regulation Z
 including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation
 Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and asset
 verifications pursuant to Client-provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as used
 by the original loan underwriter at origination to determine compliance with the Client-provided
 underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client-provided
 underwriting guideline requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by the
 loan underwriter at origination to determine compliance with Client-provided underwriting
 guidelines and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the loan
 for integrity of comparable sales, completeness of data, eligibility of the appraiser and
 reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet
 the requirements of Client-provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio
 were accurate at origination and meet Client-provided underwriting guideline and regulatory
 requirements.

&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate
 credit depth to comply with the Client-provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client-provided
 underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client-provided underwriting guidelines are documented
 and reasonable.

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**Document Review**

**Document Review**<br>

A review of each loan file was performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:<br>

**a) Collateral Docs**

● Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

● Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

● Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

● Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs**

● Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

● Final Truth-in-Lending Disclosure: If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

● Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

● Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

● Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs**

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client-provided underwriting guidelines.

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● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client-provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client-provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Income Documentation: Verify the presence of income and employment related documentation required by the Client-provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

● Asset Documentation: Verify the presence of asset documentation required by the Client-provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client-provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client-provided underwriting guidelines.

**Regulatory Compliance**

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The
 "material"<sup>1</sup> disclosure requirements of the federal Truth-in-Lending
 Act ("TILA"), as amended by the Home Ownership and Equity Protection Act ("HOEPA")
 and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12
 C.F.R. Part 1026, including the material provisions relating to Higher-Priced Mortgage Loans
 in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure provisions
 of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented by Regulation
 Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure
 ("TRID") Rule, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For
 Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 review of the Notice of Right to Cancel, including a verification of the transaction date
 and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required
 parties, verifying the disbursement date and determining if a full three (3) day rescission
 period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&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. This
 review is also to be performed on transactions that are exempt from the rescission requirement
 but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&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. A
 condition must be placed if the transaction is a refinance by the original creditor and the
 borrower was provided the Form H-8 rescission notice. Consultant will note in the condition
 whether there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For
 TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the initial TIL disclosure and final TIL disclosures were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining
 any TILA violations, including a recalculation of disclosed finance charge, proper execution
 by all required parties, principal and interest calculations, proper completion of the interest
 rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure
 differences were within the allowed tolerances and disclosures were provided within the required
 timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures
 (Application Dates on or after 10/3/2015)

<sup>1</sup> These "material" disclosures include, but are not limited to, the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the initial Loan Estimate (LE) was delivered within three (3) business days of application
 and seven (7) business days prior to consummation in accordance with Client's Underwriting
 Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review the
 required sections of each LE to ensure they were populated in accordance with the TRID Rules.
 If the file reflects more than one LE was provided, each revised LE must have corresponding
 Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations was based
 on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed
 after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the Closing Disclosure (CD) confirm the borrower received the initial
 CD at least three (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review
 the required sections of each CD to ensure they were populated in accordance with the
 TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan
 consummation.)

2. Section
 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603
 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID
 Rule;

3. The
 disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution;

4. Confirmation
 that one of the following are in the loan file, per the Fair Credit Reporting Act: Consumer
 Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice to
 Home Loan Applicant;

5. 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: the general Ability to
 Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages
 (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e)) (including qualified mortgages
 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.)); and Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability
 to Repay and Qualified Mortgage Review" description below;

6. The
 Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented
 by Regulation Z, 12 C.F.R 1026.36;

7. The
 requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R. 1026.35; <br>

8. The
 appraisal and valuation requirements of TILA and the Equal Credit Opportunity Act, as implemented
 by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The
 counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k) and
 RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The
 escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35,
 and Regulation X, 12 C.F.R 1024.17, respectively;

11. The
 disclosure requirements and prohibitions of any applicable state, county and municipal laws
 and ordinances, as amended, that have been enacted to regulate so-called "predatory
 lending";

12. Consultant
 shall confirm that any mortgage property located in an area identified on a flood hazard
 map or flood insurance rate map issued by the Federal Emergency Management Agency as having
 special flood hazards is subject to a qualified flood insurance policy that appears to be
 is in effect;

13. For
 any loans designated as TILA exemption, Consultant shall review the loan file for evidence
 that the primary purpose of the loan was for commercial or business purposes, including,
 but not limited to a business purpose certification; and

14. Documentation.
 Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final
 HUD-1 Settlement Statement ("HUD-1"), if applicable

&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 in an escrow state, the HUD-1 was considered final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&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. HUD-1
 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 HUD-1 is not marked Final, it must be stamped certified by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. There
 should be no markings indicating that the HUD-1 is estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&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. HUD-1
 is signed by all parties (including closing agent) or stamped certified by the closing agent;
 and

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&nbsp;&nbsp;&nbsp;&nbsp;&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. If
 HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent; if
 the stamp does not contain the signature or initials, it must identify the name of the closing
 agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final
 Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan
 Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 Loan Estimate in was considered delivered based on the date issued, subject to the three-day
 mailing rule unless the file contains documentation indicating earlier receipt. The loan
 file may contain one or more Loan Estimates with the latest one provided up until three business
 days prior to the issuance of an initial Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing
 Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 Closing Disclosure in the loan file was considered delivered based on the date issued, subject
 to the three-day mailing rule unless the file contains documentation indicating earlier receipt.
 The loan file may contain one or more Closing Disclosures with the latest one provided up
 until the consummation date being considered the Final with any delivered post consummation
 considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice
 of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial
 TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good
 Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed
 of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA
 disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third
 Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third
 party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing
 Disclosure, must be shown as paid to the third-party provider. A condition must be set if
 a third-party fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT
 will condition for evidence in the file indicating that a charge on the HUD-1/Closing Disclosure
 exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document
 showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less
 than $1 are deemed to be within reasonable limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any
 refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing
 Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed was assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant reviews applicable loans for compliance with
 the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43
 et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable Presumption
 QM, Exempt). Consultant determines the loan's status under the QM rule requirements
 and assigns a due diligence loan designation. Consultant notes as a material exception if
 the due diligence findings do not confirm the same loan designation. Additionally, Consultant
 notes if a loan designation was not provided. Consultant will verify if each loan meets the
 requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor
 QM under § 1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii).
 Consultant will verify the presence of documentation for lender determination of QM and indicating
 factors in its ability-to-repay determination, including how the originator applied its policies
 and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant
 will verify whether the loan meets the requirements of the revised general QM definition
 effective March 1, 2021.

2. For
 loans for which applications were received prior to July 1, 2021, if a 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, Consultant reviews the loan to determine whether, based
 on available information in the loan file the loan satisfied (i), (ii) and (iii) in the paragraph
 (3)(a)(i) below and reviews the Automated Underwriting System output within the file to confirm
 agency eligibility.

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3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance with the Ability
 to Repay (ATR) but not Qualified Mortgage (QM) rule requirements set forth in Regulation
 Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For
 QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether,
 based on available information in the loan file: (i) the loan contains risky 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. Consultant reviews to the applicable consider and verify requirements under
 the QM rule depending on whether the QM was originated under the original general QM definition
 or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each
 QM designated loan that satisfied the applicable requirements enumerated above, Consultant
 then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the
 loan's actual annual percentage rate, as recalculated, to the applicable average prime
 offer rate plus a certain percentage. For QM designated loans originated under the revised
 general QM definition effective March 1, 2021, Consultant also determines whether the loan
 exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 ability to repay portion of the review for non-agency eligible loans only will focus on the
 eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The
 Consultant will review the loan file to determine if the creditor verified and considered
 each of the eight factors utilizing reasonably reliable third-party documentation 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current
 or reasonably expected income or assets that the consumer will rely on to repay 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;&nbsp;&nbsp;&nbsp;&nbsp;2. 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;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly
 mortgage payment for subject loan using the introductory or fully indexed rate, whichever
 is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly
 payment on any simultaneous loans secured by the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly
 payments for property taxes and hazard/flood insurance and certain other costs related to
 the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts,
 alimony, and child support 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;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly
 debt-to-income ratio or residual 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit
 history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans
 designated as agency eligible, Consultant will not review for compliance with the requirements
 of Appendix Q or General Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant
 reviews loans to determine their conformity with the ATR/QM factors above and is not rendering
 an independent assessment or analysis. Consultant's review is based on information
 contained in the loan file at the time it is provided to Consultant, and only reflects information
 as of that point in time and does not mean any regulator, judicial or agency will agree with
 the Consultant's conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** 

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. 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 potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant 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.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning and Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports 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 loan.

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 the presence of the Servicing Transfer Disclosure form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify
 the Servicing Transfer Disclosure was provided to the borrower(s) within three general business
 days of "Application"

● Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 the presence of the Home Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 the Home Loan Tool Kit is provided within three general business days of application

● Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated
 business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 the Affiliated Business Disclosure provided within three general business days of "Application"
 (Consultant reviews for this disclosure to be provided within three general business days,
 as the lender will typically know at the time of application if borrower(s) was referred
 to affiliates for provision of third party services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 the presence of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

**Equal Credit Opportunity Act (Regulation B)**

● Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

● Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

● For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

● Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

● Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

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**High-Cost, State & Local Anti-Predatory Regulations** **<br>** 

<br> In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.<br>

● Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

● California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

● California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

● Colorado Consumer Equity Protection Act, Colo, Rev. Stat. § 5-3.5-101 et seq.

● Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time .

● Connecticut Nonprime Home Loans Statute, C o nn. Gen. Stat. §§ 36a-7 6 0 et seq. (as originally enacted and as amended by Senate Bill 949).

● District of Columbia H o me Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.00 7 8 et seq. (for loans closed before July 1, 2014).

● Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted b y House Bill 02-1361 and as modified by Senate Bill 03-53).

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

● I llinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

● City of Chicago, I llinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

● Cook County , I llinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

● Cook County , I llinois, Anti-Predatory Lending Pilot Program, I llinois Ho u se Bill 4050 (2005).

● Indiana Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

● Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. I nstit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

● Massachusetts High - Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

● Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

● Massachusetts "Borrower's I nterest" Standard, M.G.L. Chapter 183, §28C.

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

● Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

● Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

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● Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

● Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

● New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46: 1 0B-22 et seq., as amended from time to time.

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from tim e to time.

● New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

● North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a), as amended from time to time.

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 18 5 (2006), and as codified in various sections of the Ohio Code.

● Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

● Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

● Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

● Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.

● Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

● City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

● South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

● Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

● Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), Article XVI of the Texas Constitution

● Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102 et seq.

● Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

● Vermont I nterest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

● Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422; 6.1-428.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

● West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et seq.

● Wisconsin Responsible High - Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DF I -Bkg 46.01 et seq.

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**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan was reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets
 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided
 by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The
 premium for which is paid by the condominium associate, cooperative, homeowners association,
 or other group as a common expense.

**Misrepresentation and Third-Party Review** **<br>** 

<br> Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:<br>

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:<br>

● Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

● Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

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**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (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

● Property is described as average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments

● Appraiser was appropriately licensed at the time the appraisal was signed

 **

 ****

 

***Valuation Waterfall and Products***

**<u>Agency Eligible Loan Programs</u>**

● PIW

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All
 PIW loans: AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If
 AVM <90% of origination value: BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. If
 BPO <90% of origination value: Stip for Seller to order Field Review/2055 or Appraisal.

● If FHLMC Rep &Warrant Relief NOT Eligible for FNMA CU >2.5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All:
 Desk Review (w/value conclusion)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If
 Desk Review < 90% of origination value: Stip for Seller to order a Filed Review/2055 of
 second appraisal.

**<u>Jumbo Loan Programs</u>**

● If only 1 appraisal and no desk review: Stip for Seller to order a Desk Review (w/value conclusion)

● If guidelines required 2 appraisals, but only 1 appraisal provided; Stip for Seller to order second appraisal

● If desk review indicated a value lower than the appraisal; Stip for Seller to order BPO and value reconciliation.

*Seasoned Loan Updated:*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) **Updated AVM:** An Automated Valuation Model ("AVM") was ordered on each property. If
 the resulting value of the AVM is in aggregate less than 90% of the value reflected on the
 original appraisal, or if no results are returned, an Appraisal Desk Review was ordered on
 the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) **Appraisal Desk Review:** If the resulting value for the PVO is less than 90% of the value reflected
 on the original appraisal, or if no results are returned, a Broker Price Opinion (BPO) was
 ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) **BPO:** If the resulting value of the BPO is less than 90%of the value reflected on the original
 appraisal, an appraisal field review may be ordered on the property

The criteria set forth in this section titled "Valuation Waterfall and Products": are subject to change by RMC at any time.

Value Review Disclaimer

● The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

● Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

● Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

● Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal in a property located in an area that is designated as IA (Individual Assistance) or IH (Individual and Household Assistance), Consultant will review the file to determine if an exterior inspection to ensure:

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● No apparent damage to the property

● Property appears to be occupied

**Data Compare** **<br>** 

<br> Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance<br>

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Address

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● QM Status

**Rating Agency Grading Criteria** **<br>** 

<br> **Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.<br>

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.<br>

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.<br>

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.<br>

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**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria** **<br>** 

<br> 1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews, and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15-E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:<br>

**Opus Credit Grades<br>** 

<br> ● Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

● Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

● Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

**Opus Property Grades<br>** 

<br> ● Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

● Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

● Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

**Opus Compliance Grades**<br>

● Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

● Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

● Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

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**REDACTED INFORMATION** **<br>** 

<br> ● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

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| Narrative – Chase 2026-4 Pool 2 | Page 15 of **20** |

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**<u>Pool Details</u>**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Type** | &nbsp;&nbsp;**Loan Type** | &nbsp;&nbsp;**Loan Type** | &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool | &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Non-Conforming | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Conforming-GSE Eligible | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool | &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;2.250 - 2.499 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;2.500 - 2.999 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;3.000 - 3.499 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;3.500 - 3.999 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;4.000 - 4.499 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |
| &nbsp;&nbsp;4.500 - 4.999 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** |
| &nbsp;&nbsp;5.000 - 5.499 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;5.500 - 5.999 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;6.000 - 6.499+ | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;Co-op | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  |  |  | &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  |  |  | &nbsp;&nbsp;PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
|  |  |  | &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;2 Family | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool | &nbsp;&nbsp;3 Family | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Cash out Refi | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 Family | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;Rate / Term Refi | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |  |  |  |
|  |  |  | &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**LTV** |
|  |  |  | &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;**DTI** | &nbsp;&nbsp; 0.00-30.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool | &nbsp;&nbsp;30.01-40.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;0.00-20.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;40.01-50.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;20.01-30.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;50.01-60.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;30.01-40.00 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;60.01-70.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;40.01-45.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;70.01-80.00 | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;45.01-50.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;80.01-90.00 | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

---

| | |
|:---|:---|
| Narrative – Chase 2026-4 Pool 2 | Page 16 of **20** |

---

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| **Data Element** | **Count** | **Accuracy** |
| Final Qualifying Property Value | 1 | 50.00% |
| Loan Purpose | 2 | 0.00% |
| **Total Loan Population** | **2** |  |

---

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| Narrative – Chase 2026-4 Pool 2 | Page 17 of **20** |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| Narrative – Chase 2026-4 Pool 2 | Page 18 of **20** |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated March 20, 2026.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Overall Grade Summary** | | | **Overall Grade Summary** | | |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**S&P NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Compliance Grade Summary** |  |  | **Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Credit Grade Summary** |  |  | **Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Property Grade Summary** |  |  | **Property Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | |
|:---|:---|
| Narrative – Chase 2026-4 Pool 2 | Page 19 of **20** |

---

**<u>Loans Reviewed (2)</u>**

---

| |
|:---|
| &nbsp;&nbsp;**Client Loan ID** |
| &nbsp;&nbsp;3158623371 |
| &nbsp;&nbsp;3158623458 |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

---

| | |
|:---|:---|
| Narrative – Chase 2026-4 Pool 2 | Page 20 of **20** |

---

## Exhibit 99.8

**Exhibit 99.8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| JP Morgan Chase Bank |  | 3158623458 |  | Closed | 2026-01-10 19:07 | 2026-03-20 17:21 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-01/11/2026 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/11/2026 |  | Acknowledged - S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. |  |  |  | XX | Primary Residence | Purchase | Cash Out - Other | 7024542 | Investor Post-Close | No |
| JP Morgan Chase Bank |  | 3158623458 |  | Closed | 2026-01-07 11:28 | 2026-01-11 10:16 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/11/2026 <br>Ready for Review-Document Uploaded. Please see attached CDA - Buyer-01/09/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/07/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/11/2026<br>| XXXXXX - CDA.pdf |  |  | XX | Primary Residence | Purchase | Cash Out - Other | 6963739 | N/A | N/A |

---

## Exhibit 99.9

**Exhibit 99.9**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
|  | 3158623371 |  | XXXXX A |
|  | 3158623458 |  | XXXXX A C B |

---

## Exhibit 99.10

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **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** |
|  | 3158623371 |  | XX-XX-XXXX | XXXX | XXXX | 0 | XXXX | XX-XX-XXXX | 1004 URAR | XX XXXXXX XXXXX | XXXXX XXXXXX | XXXXXXX | XXXXX | 85.0 | 85.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX-XX-XXXX |
|  | 3158623458 |  | XX-XX-XXXX | XXXX | XXXX | 0 | XXXX | XX-XX-XXXX | 1004 URAR | XX XXXXXX XXXXX XXXX XX | XXXXX XXXXXX | XXX.XXXXXXX | XXXXX | 80.0 | 80.0 | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) | XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | 0.0 | .0000 | XXXXXXX XXXXXXXXX XXXXX | Reasonable | XX-XX-XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XX-XX-XXXX |

---

## Exhibit 99.11

**Exhibit 99.11**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
|  | 3158623371 |  | 0507-095 | Final Qualifying Property Value | propertyValuationPage | XXXXX | XXXXX | Audit Value Pulled From Appraisal. |
|  | 3158623371 |  | 0507-095 | Loan Purpose | the1003Page | Purchase | Refinance | Audit Value Pulled From Final 1003. |
|  | 3158623458 |  | 0507-095 | Loan Purpose | the1003Page | Purchase | Refinance | Audit Value Pulled From Final 1003. |

---

## Exhibit 99.12

**Exhibit 99.12**

![](n5785amc_logo.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

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

The loans in the Review carried origination dates between May 2024 and January 2026.

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

The Review was conducted on a total population of two hundred fifty-six (256) loans. Two hundred fifty-six (256) loans were randomly selected by AMC from a population of four hundred thirty-nine (439) loans. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

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

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

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

---

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

---

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

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

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

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

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

1 \| P a g e

![](n5785amc_logo.jpg)

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

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

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

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

**DU/LP/Turbo Review** 

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

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

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

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

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were

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noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

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

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

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

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

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

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

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

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

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AMC also considered processes that included Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

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

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

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

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

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

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

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

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

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

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iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

AMC reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, AMC notes as a material exception if the due diligence

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findings do not confirm the originator's mortgage loan designation. Additionally, AMC notes if an originator mortgage loan designation was not provided.

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

AMC noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time AMC reviewed the mortgage loans and thus have not yet been recorded. AMC verified that documents in the mortgage loan file (most typically closing

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instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
TIL;

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

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

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

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

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

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**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY**

There were two hundred fifty-six (256) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, twenty-seven (27) (10.55%) loans had an Overall loan grade of "B", five (5) (1.95%) loans had an Overall loan grade of "C", and one (1) (0.39%) loan had an Overall loan grade of "D".

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| Compliance | C | TRID Defect | 8 |
| Compliance | C | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 3 |
| Compliance | C | ***Total Compliance Grade (C) Exceptions:*** | ***11*** |
| Compliance | B | TRID Defect | 22 |
| Compliance | B | ATR/QM Defect | 7 |

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| | | | |
|:---|:---|:---|:---|
| | | TRID | 3 |
| | | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 1 |
|  |  | ***Total Compliance Grade (B) Exceptions:*** | ***33*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **44** |
| Credit | D | Property - Appraisal | 1 |
| Credit | D | ***Total Credit Grade (D) Exceptions:*** | ***1*** |
| Credit | B | Guideline | 16 |
| Credit | B | Title | 2 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***18*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **19** |
| Property | D | Property - Appraisal | 1 |
| Property | D | ***Total Property Grade (D) Exceptions:*** | ***1*** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **1** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **64** |

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**COMPLIANCE RESULTS SUMMARY**

Of the two hundred fifty-six (256) loans reviewed, under the applicable NRSRO grading criteria, eighteen (18) loans (7.03%) had a Compliance Review "B" grade, and five (5) loans (1.95%) had a Compliance Review "C" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;233 | &nbsp;&nbsp;91.02% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;7.03% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.95% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the two hundred fifty-six (256) loans reviewed, under the applicable NRSRO grading criteria, two hundred fifty-five (255) loans (99.61%) had a Property Review "A" grade, and one (1) loan (0.39%) had a Property Review "D" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;255 | &nbsp;&nbsp;99.61% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.39% |

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**CREDIT REVIEW RESULTS SUMMARY**

Of the two hundred fifty-six (256) loans reviewed, under the applicable NRSRO grading criteria, two hundred thirty-seven (237) mortgage loans (92.58%) of the total received an "A" Credit Review grade. Eighteen (18) mortgage loans (7.03%) of the total received a "B" Credit Review grades and were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets. One (1) loan (0.39%) received a "D" Credit Review grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;237 | &nbsp;&nbsp;92.58% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;7.03% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.39% |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred fifty-six (256) mortgage loans reviewed, sixty-seven (67) (26.17%) mortgage loans had tape discrepancies across fifteen (15) unique data fields. The most common tape discrepancies were Initial Rate Lock Date (11.72%), Borrower Qualifying FICO (5.10%), and Investor: Qualifying Total Debt Ratio (3.91%). AMC found generally that the DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| Amortization Term | 0 | 256 | 0.00% | 256 |
| Amortization Type | 0 | 256 | 0.00% | 256 |
| Appraisal Effective Date | 5 | 256 | 1.95% | 256 |
| Appraised Value | 2 | 256 | 0.78% | 256 |
| Balloon Flag | 0 | 256 | 0.00% | 256 |
| Borrower Qualifying FICO | 13 | 255 | 5.10% | 256 |
| City | 1 | 256 | 0.39% | 256 |
| Coborrower Qualifying FICO | 3 | 147 | 2.04% | 256 |
| Contract Sales Price | 2 | 256 | 0.78% | 256 |
| Initial Rate Lock Date | 30 | 256 | 11.72% | 256 |
| Interest Only | 0 | 256 | 0.00% | 256 |
| Investor: Qualifying Total Debt Ratio | 10 | 256 | 3.91% | 256 |
| Lien Position | 0 | 256 | 0.00% | 256 |
| Note Date | 8 | 256 | 3.13% | 256 |
| Occupancy | 0 | 256 | 0.00% | 256 |
| Original CLTV | 1 | 256 | 0.39% | 256 |
| Original Interest Rate | 1 | 256 | 0.39% | 256 |
| Original Loan Amount | 1 | 256 | 0.39% | 256 |
| Original LTV | 1 | 256 | 0.39% | 256 |
| Origination Channel | 0 | 256 | 0.00% | 256 |
| Property Type | 1 | 256 | 0.39% | 256 |
| Purpose | 0 | 256 | 0.00% | 256 |
| Representative FICO | 4 | 256 | 1.56% | 256 |
| State | 0 | 256 | 0.00% | 256 |
| Zip | 0 | 256 | 0.00% | 256 |
| **Total** | **83** | **6290** | **1.32%** | **256** |

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**ADDITIONAL LOAN POPULATION SUMMARY\***

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Originator Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Safe Harbor QM (APOR) | 256 | 100.00% | $326471210.00 | 100.00% |
| **Total** | **256** | **100.00%** | **$326471210.00** | **100.00%** |
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Fixed | 256 | 100.00% | $326471210.00 | 100.00% |
| **Total** | **256** | **100.00%** | **$326471210.00** | **100.00%** |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| 1 | 256 | 100.00% | $326471210.00 | 100.00% |
| **Total** | **256** | **100.00%** | **$326471210.00** | **100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 18 | 7.03% | $22432822.00 | 6.87% |
| First Time Home Purchase | 40 | 15.63% | $50887185.00 | 15.59% |
| Other-than-first-time Home Purchase | 139 | 54.30% | $175643831.00 | 53.80% |
| Rate/Term Refinance - Borrower Initiated | 59 | 23.05% | $77507372.00 | 23.74% |
| **Total** | **256** | **100.00%** | **$326471210.00** | **100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| 121-180 Months | 3 | 1.17% | $4119297.00 | 1.26% |
| 181-240 Months | 7 | 2.73% | $8699822.00 | 2.66% |
| 241-360 Months | 246 | 96.09% | $313652091.00 | 96.07% |
| **Total** | **256** | **100.00%** | **$326471210.00** | **100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Single Family Detached | 140 | 54.69% | $191341317.00 | 58.61% |
| Co-op | 7 | 2.73% | $5146825.00 | 1.58% |
| Condo, Low Rise | 14 | 5.47% | $13691709.00 | 4.19% |
| Condo, High Rise | 6 | 2.34% | $11550250.00 | 3.54% |
| PUD | 86 | 33.59% | $101564909.00 | 31.11% |
| Townhouse | 1 | 0.39% | $439200.00 | 0.13% |
| 2 Family | 2 | 0.78% | $2737000.00 | 0.84% |
| **Total** | **256** | **100.00%** | **$326471210.00** | **100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Primary | 225 | 87.89% | $287645244.00 | 88.11% |
| Second Home | 31 | 12.11% | $38825966.00 | 11.89% |
| **Total** | **256** | **100.00%** | **$326471210.00** | **100.00%** |

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

**EXCEPTION DETAIL**

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

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, Moody's, and S&P Exceptions** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Total** |
| TRID Interim Closing Disclosure Timing Regular APR Change | Compliance C | 2 |
| TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | Compliance C | 2 |
| Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Compliance C | 1 |
| TRID Final Closing Disclosure Finance Charge | Compliance C | 1 |
| TRID Final Closing Disclosure Principal and Interest | Compliance C | 1 |
| TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | Compliance C | 1 |
| TRID Final Closing Disclosure Total Of Payments | Compliance C | 1 |
| TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Compliance C | 1 |
| TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Compliance C | 1 |
| General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | Compliance B | 6 |
| TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | Compliance B | 3 |
| TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | Compliance B | 3 |
| TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | Compliance B | 2 |
| General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | Compliance B | 1 |
| TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | Compliance B | 1 |
| TRID Final Closing Disclosure Principal and Interest Test | Compliance B | 1 |
| TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent | Compliance B | 1 |
| TRID Final Closing Disclosure AP Table Subsequent Changes Test | Compliance B | 1 |
| TRID Final Closing Disclosure Payment Adjusts Every Starting In | Compliance B | 1 |
| TRID Final Closing Disclosure Payment Adjusts Every Test | Compliance B | 1 |
| TRID Final Closing Disclosure Property Taxes Included In Escrow | Compliance B | 1 |
| TRID Final Closing Disclosure Will Have Escrow Account | Compliance B | 1 |
| TRID Final Closing Disclosure Will Not Have Escrow Account | Compliance B | 1 |
| TRID Initial Closing Disclosure Timing without Waiver Test | Compliance B | 1 |
| TRID Temporary Buydown Terms Not Reflected on Disclosures Test | Compliance B | 1 |
| TRID Final Closing Disclosure Interest Rate Change After Closing Testing | Compliance B | 1 |
| TRID Final Closing Disclosure Principal and Interest Change After Closing Testing | Compliance B | 1 |
| TRID Final Closing Disclosure Principal and Interest Testing | Compliance B | 1 |
| TRID Final Closing Disclosure Product Testing | Compliance B | 1 |
| TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | Compliance B | 1 |
| TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Compliance B | 1 |
| TRID Final Closing Disclosure Partial Payments | Compliance B | 1 |
| Missing Document: Appraisal not provided | Credit D | 1 |
| Credit Exception: | Credit B | 8 |
| Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Credit B | 7 |
| Title Policy Coverage is less than Original Loan Amount. | Credit B | 2 |
| Guideline Requirement: PITIA reserves months discrepancy. | Credit B | 1 |
| Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Property D | 1 |

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## Exhibit 99.13

**Exhibit 99.13**

![](n5785situsamc_logo.jpg)

**Rating Agency Grades**

**Run Date - 3/25/2026 12:23:56 PM**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 225226032 |  | 3158623216 |  |  | A | A | A | A | A | A | A | A |  |
| 225226033 |  | 3158623217 |  |  | C | C | A | C | A | A | A | A |  |
| 225226034 |  | 3158623218 |  |  | C | A | C | C | A | A | A | A |  |
| 225226035 |  | 3158623220 |  |  | C | A | A | C | A | A | A | A |  |
| 225226036 |  | 3158623223 |  |  | A | A | A | A | A | A | A | A |  |
| 225226037 |  | 3158623225 |  |  | A | A | A | A | A | A | A | A |  |
| 225226038 |  | 3158623227 |  |  | A | B | A | B | A | A | A | A |  |
| 225226039 |  | 3158623228 |  |  | A | A | A | A | A | A | A | A |  |
| 225226040 |  | 3158623231 |  |  | A | A | A | A | A | A | A | A |  |
| 225226041 |  | 3158623233 |  |  | C | C | A | C | A | A | A | A |  |
| 225226042 |  | 3158623235 |  |  | A | A | A | A | A | A | A | A |  |
| 225226043 |  | 3158623236 |  |  | A | A | D | D | A | A | A | A |  |
| 225226044 |  | 3158623237 |  |  | A | A | A | A | A | A | A | A |  |
| 225226045 |  | 3158623240 |  |  | A | A | A | A | A | A | A | A |  |
| 225226046 |  | 3158623241 |  |  | A | C | D | D | A | A | A | A |  |
| 225226047 |  | 3158623242 |  |  | A | A | A | A | A | A | A | A |  |
| 225226048 |  | 3158623248 |  |  | A | A | A | A | A | A | A | A |  |
| 225226049 |  | 3158623251 |  |  | A | A | A | A | A | A | A | A |  |
| 225226050 |  | 3158623253 |  |  | A | A | A | A | A | A | A | A |  |
| 225226051 |  | 3158623254 |  |  | A | B | A | B | A | A | A | A |  |
| 225226052 |  | 3158623255 |  |  | A | C | A | C | A | A | A | A |  |
| 225226053 |  | 3158623256 |  |  | C | A | A | C | A | A | A | A |  |
| 225226054 |  | 3158623258 |  |  | A | A | A | A | A | A | A | A |  |
| 225226055 |  | 3158623262 |  |  | A | A | A | A | A | A | A | A |  |
| 225226056 |  | 3158623263 |  |  | A | B | A | B | A | B | A | B |  |
| 225226057 |  | 3158623264 |  |  | A | C | A | C | A | A | A | A |  |
| 225226058 |  | 3158623266 |  |  | A | C | A | C | A | A | A | A |  |
| 225226059 |  | 3158623268 |  |  | A | A | A | A | A | A | A | A |  |
| 225226060 |  | 3158623273 |  |  | A | C | A | C | A | A | A | A |  |
| 225226061 |  | 3158623274 |  |  | A | A | A | A | A | A | A | A |  |
| 225226062 |  | 3158623275 |  |  | A | A | A | A | A | A | A | A |  |
| 225226063 |  | 3158623278 |  |  | A | A | A | A | A | A | A | A |  |
| 225226064 |  | 3158623279 |  |  | A | A | A | A | A | A | A | A |  |
| 225226065 |  | 3158623281 |  |  | A | B | A | B | A | B | A | B |  |
| 225226066 |  | 3158623282 |  |  | A | A | A | A | A | A | A | A |  |
| 225226067 |  | 3158623284 |  |  | A | A | A | A | A | A | A | A |  |
| 225226068 |  | 3158623286 |  |  | B | C | A | C | B | C | A | C |  |
| 225226069 |  | 3158623287 |  |  | A | A | A | A | A | A | A | A |  |
| 225226070 |  | 3158623288 |  |  | C | B | A | C | A | A | A | A |  |
| 225226071 |  | 3158623289 |  |  | A | A | A | A | A | A | A | A |  |
| 225226072 |  | 3158623290 |  |  | B | A | A | B | B | A | A | B |  |
| 225226073 |  | 3158623291 |  |  | B | B | A | B | B | A | A | B |  |
| 225226074 |  | 3158623292 |  |  | B | A | A | B | B | A | A | B |  |
| 225226075 |  | 3158623293 |  |  | A | A | A | A | A | A | A | A |  |
| 225226076 |  | 3158623295 |  |  | B | A | A | B | B | A | A | B |  |
| 225226077 |  | 3158623296 |  |  | A | C | A | C | A | C | A | C |  |
| 225226078 |  | 3158623299 |  |  | A | A | A | A | A | A | A | A |  |
| 225226079 |  | 3158623300 |  |  | A | A | A | A | A | A | A | A |  |
| 225226080 |  | 3158623302 |  |  | A | A | A | A | A | A | A | A |  |
| 225226081 |  | 3158623305 |  |  | A | A | A | A | A | A | A | A |  |
| 225226082 |  | 3158623306 |  |  | A | C | A | C | A | A | A | A |  |
| 225226083 |  | 3158623307 |  |  | A | A | A | A | A | A | A | A |  |
| 225226084 |  | 3158623308 |  |  | A | B | A | B | A | A | A | A |  |
| 225226085 |  | 3158623309 |  |  | A | B | A | B | A | A | A | A |  |
| 225226086 |  | 3158623313 |  |  | A | A | A | A | A | A | A | A |  |
| 225226087 |  | 3158623314 |  |  | A | A | A | A | A | A | A | A |  |
| 225226088 |  | 3158623315 |  |  | B | B | A | B | B | B | A | B |  |
| 225226089 |  | 3158623316 |  |  | A | C | D | D | A | A | A | A |  |
| 225226090 |  | 3158623321 |  |  | A | A | A | A | A | A | A | A |  |
| 225226091 |  | 3158623323 |  |  | B | C | A | C | A | A | A | A |  |
| 225226092 |  | 3158623324 |  |  | A | A | A | A | A | A | A | A |  |
| 225226093 |  | 3158623325 |  |  | A | A | A | A | A | A | A | A |  |
| 225226094 |  | 3158623327 |  |  | A | C | A | C | A | A | A | A |  |
| 225226095 |  | 3158623328 |  |  | A | C | A | C | A | A | A | A |  |
| 225226096 |  | 3158623332 |  |  | C | A | A | C | A | A | A | A |  |
| 225226097 |  | 3158623333 |  |  | C | C | A | C | A | A | A | A |  |
| 225226098 |  | 3158623334 |  |  | B | A | A | B | B | A | A | B |  |
| 225226099 |  | 3158623335 |  |  | A | A | A | A | A | A | A | A |  |
| 225226100 |  | 3158623336 |  |  | A | C | A | C | A | A | A | A |  |
| 225226101 |  | 3158623337 |  |  | A | C | A | C | A | A | A | A |  |
| 225226102 |  | 3158623340 |  |  | A | C | A | C | A | A | A | A |  |
| 225226103 |  | 3158623341 |  |  | C | C | D | D | A | A | A | A |  |
| 225226104 |  | 3158623342 |  |  | A | A | A | A | A | A | A | A |  |
| 225226105 |  | 3158623343 |  |  | A | C | A | C | A | A | A | A |  |
| 225226106 |  | 3158623344 |  |  | A | C | A | C | A | A | A | A |  |
| 225226107 |  | 3158623348 |  |  | C | A | A | C | A | A | A | A |  |
| 225226108 |  | 3158623352 |  |  | B | C | A | C | B | A | A | B |  |
| 225226109 |  | 3158623358 |  |  | A | C | A | C | A | A | A | A |  |
| 225226110 |  | 3158623359 |  |  | A | C | A | C | A | A | A | A |  |
| 225226111 |  | 3158623367 |  |  | A | C | A | C | A | A | A | A |  |
| 225226112 |  | 3158623369 |  |  | C | C | A | C | A | C | A | C |  |
| 225226113 |  | 3158623370 |  |  | B | B C | A | B C | B | B | A | B |  |
| 225226114 |  | 3158623372 |  |  | A | A | A | A | A | A | A | A |  |
| 225226115 |  | 3158623374 |  |  | A | C | A | C | A | A | A | A |  |
| 225226116 |  | 3158623376 |  |  | A | A | A | A | A | A | A | A |  |
| 225226117 |  | 3158623377 |  |  | A | C | A | C | A | A | A | A |  |
| 225226118 |  | 3158623378 |  |  | C | C | A | C | B | B | A | B |  |
| 225226119 |  | 3158623380 |  |  | A | A | A | A | A | A | A | A |  |
| 225226120 |  | 3158623382 |  |  | A | A | A | A | A | A | A | A |  |
| 225226121 |  | 3158623385 |  |  | A | C | A | C | A | B | A | B |  |
| 225226122 |  | 3158623387 |  |  | B | C | A | C | B | A | A | B |  |
| 225226123 |  | 3158623388 |  |  | A | A | A | A | A | A | A | A |  |
| 225226124 |  | 3158623390 |  |  | A | A | A | A | A | A | A | A |  |
| 225226125 |  | 3158623391 |  |  | A | C | A | C | A | A | A | A |  |
| 225226126 |  | 3158623392 |  |  | A | A | A | A | A | A | A | A |  |
| 225226127 |  | 3158623393 |  |  | A | A | A | A | A | A | A | A |  |
| 225226128 |  | 3158623395 |  |  | C | C | A | C | A | A | A | A |  |
| 225226129 |  | 3158623396 |  |  | A | A | A | A | A | A | A | A |  |
| 225226130 |  | 3158623397 |  |  | C | A | A | C | A | A | A | A |  |
| 225226131 |  | 3158623400 |  |  | B | C | D | D | B | A | A | B |  |
| 225226132 |  | 3158623401 |  |  | A | C | A | C | A | A | A | A |  |
| 225226133 |  | 3158623402 |  |  | A | C | A | C | A | A | A | A |  |
| 225226134 |  | 3158623403 |  |  | A | B | A | B | A | A | A | A |  |
| 225226135 |  | 3158623406 |  |  | C | C | A | C | A | A | A | A |  |
| 225226136 |  | 3158623408 |  |  | A | A | A | A | A | A | A | A |  |
| 225226137 |  | 3158623409 |  |  | A | C | A | C | A | A | A | A |  |
| 225226138 |  | 3158623410 |  |  | A | C | A | C | A | A | A | A |  |
| 225226139 |  | 3158623411 |  |  | A | C | A | C | A | A | A | A |  |
| 225226140 |  | 3158623412 |  |  | A | C | A | C | A | A | A | A |  |
| 225226141 |  | 3158623415 |  |  | A | C | A | C | A | A | A | A |  |
| 225226142 |  | 3158623416 |  |  | A | A | A | A | A | A | A | A |  |
| 225226143 |  | 3158623418 |  |  | A | C | A | C | A | A | A | A |  |
| 225226144 |  | 3158623419 |  |  | A | A | A | A | A | A | A | A |  |
| 225226145 |  | 3158623420 |  |  | B | C | A | C | B | B | A | B |  |
| 225226146 |  | 3158623423 |  |  | A | C | A | C | A | A | A | A |  |
| 225226147 |  | 3158623428 |  |  | A | C | A | C | A | A | A | A |  |
| 225226148 |  | 3158623429 |  |  | A | A | A | A | A | A | A | A |  |
| 225226149 |  | 3158623431 |  |  | A | A | A | A | A | A | A | A |  |
| 225226150 |  | 3158623433 |  |  | A | A | A | A | A | A | A | A |  |
| 225226151 |  | 3158623434 |  |  | A | A | A | A | A | A | A | A |  |
| 225226152 |  | 3158623435 |  |  | A | C | A | C | A | A | A | A |  |
| 225226153 |  | 3158623441 |  |  | A | C | A | C | A | A | A | A |  |
| 225226154 |  | 3158623446 |  |  | A | C | A | C | A | A | A | A |  |
| 225226155 |  | 3158623448 |  |  | A | C | A | C | A | A | A | A |  |
| 225226156 |  | 3158623450 |  |  | B | C | A | C | B | A | A | B |  |
| 225226157 |  | 3158623451 |  |  | A | A | A | A | A | A | A | A |  |
| 225226158 |  | 3158623453 |  |  | A | C | A | C | A | B | A | B |  |
| 225226159 |  | 3158623454 |  |  | A | A | A | A | A | A | A | A |  |
| 225226160 |  | 3158623455 |  |  | C | A | A | C | A | A | A | A |  |
| 225226161 |  | 3158623457 |  |  | A | A | A | A | A | A | A | A |  |
| 225226162 |  | 3158623462 |  |  | A | A | A | A | A | A | A | A |  |
| 225226163 |  | 3158623463 |  |  | A | A | A | A | A | A | A | A |  |
| 225226164 |  | 3158623464 |  |  | A | C | A | C | A | A | A | A |  |
| 225226165 |  | 3158623465 |  |  | C | B | A | C | A | A | A | A |  |
| 225226166 |  | 3158623466 |  |  | D | B | D | D | D | B | D | D |  |
| 225226167 |  | 3158623468 |  |  | A | A | A | A | A | A | A | A |  |
| 225226168 |  | 3158623471 |  |  | B | A | A | B | B | A | A | B |  |
| 225226169 |  | 3158623473 |  |  | A | A | A | A | A | A | A | A |  |
| 225226170 |  | 3158623476 |  |  | C | C | A | C | A | A | A | A |  |
| 225226171 |  | 3158623477 |  |  | A | A | A | A | A | A | A | A |  |
| 225226172 |  | 3158623480 |  |  | A | B | A | B | A | A | A | A |  |
| 225226173 |  | 3158623481 |  |  | A | A | A | A | A | A | A | A |  |
| 225226174 |  | 3158623482 |  |  | A | A | A | A | A | A | A | A |  |
| 225226175 |  | 3158623483 |  |  | B | C | A | C | A | A | A | A |  |
| 225226176 |  | 3158623484 |  |  | A | C | A | C | A | A | A | A |  |
| 225226177 |  | 3158623485 |  |  | A | A | A | A | A | A | A | A |  |
| 225226178 |  | 3158623486 |  |  | A | A | A | A | A | A | A | A |  |
| 225226179 |  | 3158623488 |  |  | A | C | A | C | A | A | A | A |  |
| 225226180 |  | 3158623489 |  |  | A | A | A | A | A | A | A | A |  |
| 225226181 |  | 3158623490 |  |  | A | A | A | A | A | A | A | A |  |
| 225226182 |  | 3158623492 |  |  | A | A | A | A | A | A | A | A |  |
| 225226183 |  | 3158623494 |  |  | A | A | A | A | A | A | A | A |  |
| 225226184 |  | 3158623495 |  |  | A | A | A | A | A | A | A | A |  |
| 225226185 |  | 3158623498 |  |  | A | A | A | A | A | A | A | A |  |
| 225226186 |  | 3158623501 |  |  | A | A | A | A | A | A | A | A |  |
| 225226187 |  | 3158623503 |  |  | A | A | A | A | A | A | A | A |  |
| 225226188 |  | 3158623505 |  |  | A | A | A | A | A | A | A | A |  |
| 225226189 |  | 3158623506 |  |  | C | C | A | C | A | A | A | A |  |
| 225226190 |  | 3158623507 |  |  | C | B | A | C | A | A | A | A |  |
| 225226191 |  | 3158623510 |  |  | A | A | A | A | A | A | A | A |  |
| 225226192 |  | 3158623511 |  |  | A | A | A | A | A | A | A | A |  |
| 225226193 |  | 3158623513 |  |  | A | A | A | A | A | A | A | A |  |
| 225226194 |  | 3158623514 |  |  | C | A | A | C | A | A | A | A |  |
| 225226195 |  | 3158623515 |  |  | A | A | A | A | A | A | A | A |  |
| 225226196 |  | 3158623518 |  |  | A | A | A | A | A | A | A | A |  |
| 225226197 |  | 3158623520 |  |  | A | B | A | B | A | A | A | A |  |
| 225226198 |  | 3158623521 |  |  | A | A | A | A | A | A | A | A |  |
| 225226199 |  | 3158623522 |  |  | A | C | A | C | A | A | A | A |  |
| 225226200 |  | 3158623523 |  |  | A | A | A | A | A | A | A | A |  |
| 225226201 |  | 3158623524 |  |  | A | A | A | A | A | A | A | A |  |
| 225226202 |  | 3158623525 |  |  | A | A | A | A | A | A | A | A |  |
| 225226203 |  | 3158623526 |  |  | A | A | A | A | A | A | A | A |  |
| 225226204 |  | 3158623527 |  |  | C | C | A | C | A | A | A | A |  |
| 225226205 |  | 3158623529 |  |  | A | A | A | A | A | A | A | A |  |
| 225226206 |  | 3158623531 |  |  | A | A | A | A | A | A | A | A |  |
| 225226207 |  | 3158623532 |  |  | A | A | A | A | A | A | A | A |  |
| 225226208 |  | 3158623534 |  |  | A | A | A | A | A | A | A | A |  |
| 225226209 |  | 3158623535 |  |  | C | A | A | C | A | A | A | A |  |
| 225226210 |  | 3158623536 |  |  | A | A | A | A | A | A | A | A |  |
| 225226211 |  | 3158623538 |  |  | D | B | D | D | A | A | A | A |  |
| 225226212 |  | 3158623539 |  |  | A | C | A | C | A | C | A | C |  |
| 225226213 |  | 3158623542 |  |  | A | A | A | A | A | A | A | A |  |
| 225226214 |  | 3158623545 |  |  | A | A | A | A | A | A | A | A |  |
| 225226215 |  | 3158623547 |  |  | A | C | A | C | A | B | A | B |  |
| 225226216 |  | 3158623548 |  |  | A | A | A | A | A | A | A | A |  |
| 225226217 |  | 3158623549 |  |  | C | C | A | C | A | A | A | A |  |
| 225226218 |  | 3158623550 |  |  | C | B | A | C | A | A | A | A |  |
| 225226219 |  | 3158623551 |  |  | A | A | A | A | A | A | A | A |  |
| 225226220 |  | 3158623553 |  |  | A | C | A | C | A | A | A | A |  |
| 225226221 |  | 3158623554 |  |  | A | A | A | A | A | A | A | A |  |
| 225226222 |  | 3158623556 |  |  | A | A | A | A | A | A | A | A |  |
| 225226223 |  | 3158623558 |  |  | A | A | A | A | A | A | A | A |  |
| 225226224 |  | 3158623559 |  |  | A | A | A | A | A | A | A | A |  |
| 225226225 |  | 3158623560 |  |  | A | A | A | A | A | A | A | A |  |
| 225226226 |  | 3158623562 |  |  | C | A | A | C | A | A | A | A |  |
| 225226227 |  | 3158623563 |  |  | A | A | A | A | A | A | A | A |  |
| 225226228 |  | 3158623566 |  |  | A | A | A | A | A | A | A | A |  |
| 225226229 |  | 3158623567 |  |  | A | C | A | C | A | B | A | B |  |
| 225226230 |  | 3158623568 |  |  | C | C | A | C | A | A | A | A |  |
| 225226231 |  | 3158623569 |  |  | A | A | A | A | A | A | A | A |  |
| 225226232 |  | 3158623570 |  |  | C | A | A | C | A | A | A | A |  |
| 225226233 |  | 3158623571 |  |  | A | A | A | A | A | A | A | A |  |
| 225226234 |  | 3158623572 |  |  | A | B | A | B | A | A | A | A |  |
| 225226235 |  | 3158623575 |  |  | A | A | A | A | A | A | A | A |  |
| 225226236 |  | 3158623576 |  |  | A | C | A | C | A | A | A | A |  |
| 225226237 |  | 3158623579 |  |  | A | B | A | B | A | A | A | A |  |
| 225226238 |  | 3158623582 |  |  | A | B | A | B | A | B | A | B |  |
| 225226239 |  | 3158623583 |  |  | C | B | A | C | A | A | A | A |  |
| 225226240 |  | 3158623585 |  |  | A | C | A | C | A | B | A | B |  |
| 225226241 |  | 3158623586 |  |  | A | A | A | A | A | A | A | A |  |
| 225226242 |  | 3158623587 |  |  | A | A | A | A | A | A | A | A |  |
| 225226243 |  | 3158623588 |  |  | A | A | A | A | A | A | A | A |  |
| 225226244 |  | 3158623591 |  |  | A | A | A | A | A | A | A | A |  |
| 225226245 |  | 3158623592 |  |  | A | A | A | A | A | A | A | A |  |
| 225226246 |  | 3158623593 |  |  | A | C | A | C | A | B | A | B |  |
| 225226247 |  | 3158623596 |  |  | C | C | A | C | A | A | A | A |  |
| 225226248 |  | 3158623597 |  |  | A | C | A | C | A | A | A | A |  |
| 225226249 |  | 3158623598 |  |  | A | A | A | A | A | A | A | A |  |
| 225226250 |  | 3158623599 |  |  | C | A | A | C | A | A | A | A |  |
| 225226251 |  | 3158623601 |  |  | A | A | A | A | A | A | A | A |  |
| 225226252 |  | 3158623604 |  |  | A | A | A | A | A | A | A | A |  |
| 225226253 |  | 3158623605 |  |  | B | A | A | B | A | A | A | A |  |
| 225226254 |  | 3158623606 |  |  | A | A | A | A | A | A | A | A |  |
| 225226255 |  | 3158623609 |  |  | A | C | A | C | A | A | A | A |  |
| 225226256 |  | 3158623611 |  |  | C | C | A | C | A | A | A | A |  |
| 225226257 |  | 3158623613 |  |  | C | C | A | C | A | A | A | A |  |
| 225226258 |  | 3158623614 |  |  | A | B | A | B | A | A | A | A |  |
| 225226259 |  | 3158623618 |  |  | A | C | A | C | A | A | A | A |  |
| 225226260 |  | 3158623619 |  |  | A | A | A | A | A | A | A | A |  |
| 225226261 |  | 3158623620 |  |  | A | A | A | A | A | A | A | A |  |
| 225226262 |  | 3158623621 |  |  | A | C | A | C | A | A | A | A |  |
| 225226263 |  | 3158623623 |  |  | A | C | A | C | A | A | A | A |  |
| 225226264 |  | 3158623626 |  |  | A | C | A | C | A | A | A | A |  |
| 225226265 |  | 3158623627 |  |  | C | A | A | C | A | A | A | A |  |
| 225226266 |  | 3158623630 |  |  | A | C | A | C | A | B | A | B |  |
| 225226267 |  | 3158623635 |  |  | A | B | A | B | A | A | A | A |  |
| 225226268 |  | 3158623636 |  |  | A | A | A | A | A | A | A | A |  |
| 225226269 |  | 3158623637 |  |  | A | C | A | C | A | A | A | A |  |
| 225226270 |  | 3158623639 |  |  | A | C | A | C | A | A | A | A |  |
| 225226271 |  | 3158623640 |  |  | A | A | A | A | A | A | A | A |  |
| 225226272 |  | 3158623641 |  |  | C | C | A | C | A | A | A | A |  |
| 225226273 |  | 3158623643 |  |  | A | C | A | C | A | C | A | C |  |
| 225226274 |  | 3158623645 |  |  | A | A | A | A | A | A | A | A |  |
| 225226275 |  | 3158623647 |  |  | A | D | A | D | A | A | A | A |  |
| 225226276 |  | 3158623648 |  |  | B | C | A | C | B | B | A | B |  |
| 225226277 |  | 3158623649 |  |  | A | C | A | C | A | A | A | A |  |
| 225226278 |  | 3158623651 |  |  | A | A | A | A | A | A | A | A |  |
| 225226279 |  | 3158623653 |  |  | B | C | D | D | B | B | A | B |  |
| 225226280 |  | 3158623655 |  |  | A | C | A | C | A | A | A | A |  |
| 225226281 |  | 3158623656 |  |  | A | A | A | A | A | A | A | A |  |
| 225226282 |  | 3158623657 |  |  | A | A | A | A | A | A | A | A |  |
| 225226283 |  | 3158623658 |  |  | B | A | A | B | A | A | A | A |  |
| 225226284 |  | 3158623660 |  |  | A | A | A | A | A | A | A | A |  |
| 225226285 |  | 3158623663 |  |  | A | C | A | C | A | A | A | A |  |
| 225226286 |  | 3158623664 |  |  | B | C | A | C | B | B | A | B |  |
| 225226287 |  | 3158623665 |  |  | A | C | A | C | A | A | A | A |  |

---

## Exhibit 99.14

**Exhibit 99.14**

![](n5785situsamc_logo.jpg)

**Exception Grades**

**Run Date - 3/25/2026 12:23:56 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 225226032 |  | 3158623216 |  | 35998813 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient<br> Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-09): Sufficient Cure Provided At Closing |  | 03/09/2026 |  | 1 A |  | CO | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226033 |  | 3158623217 |  | 35992207 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment does not meet the guideline requirements. |  | The VOE for the salaried borrower was not obtained within the required timeframe. The Work Number VOE was obtained on [Redacted], which is more than [Redacted] business days prior to the Note date [Redacted]. |  |  |  | Reviewer Comment (2026-03-12): VVOE received and acceptable<br>Buyer Comment (2026-03-11): Per Fannie Mae All Regs B3-3.1-04, Verbal Verification of Employment ([Redacted]) Alternatively, the lender may obtain the verbal VOE after closing, up to the time of loan delivery. If the verbal VOE (or allowable alternative) cannot be obtained prior to delivery, the loan is ineligible for sale to Fannie Mae. The post close VOE provided confirms borrower ongoing employment from [Redacted] start date.<br>Reviewer Comment (2026-03-11): VOE initially reviewed was over a month prior to closing, the VOE received via trailing documents is dated over [Redacted] months post-close, neither is within [Redacted] business days of closing.<br>Buyer Comment (2026-03-11): Do Not Concur - please review VOE | 03/12/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226033 |  | 3158623217 |  | 35992437 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The VOE for the salaried borrower was not obtained within the required timeframe. The Work Number VOE was obtained on [Redacted], which is more than [Redacted] business days prior to the Note date [Redacted]. |  |  |  | Reviewer Comment (2026-03-12): VVOE received and<br> acceptable | 03/12/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226033 |  | 3158623217 |  | 35992441 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the missing VVOE dated within [Redacted] business days of the Note for the co-borrower. |  |  |  | Reviewer Comment (2026-03-12): VVOE received and acceptable | 03/12/2026 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226033 |  | 3158623217 |  | 35992442 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more<br> guideline components, the loan is at QM risk. | Waterfall finding due to the missing VVOE dated within [Redacted] business days of the Note for the co-borrower. |  |  |  | Reviewer Comment (2026-03-12): VVOE received and acceptable | 03/12/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226033 |  | 3158623217 |  | 35992443 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing VVOE dated within [Redacted] business days of the Note for the co-borrower. |  |  |  | Reviewer Comment (2026-03-12): VVOE received and acceptable | 03/12/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226034 |  | 3158623218 |  | 36009002 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___<br> ___<br> ___ | Insurance Verification is missing |  |  |  | Reviewer Comment (2026-03-11): REO documentation in file is acceptable<br>Buyer Comment (2026-03-11): Do Not Concur - review [Redacted] (rental HOI LOE) and [Redacted] -[Redacted] /[Redacted] (HOA docs) - [Redacted] - INSURANCE: None per LOX HOA: $[Redacted] / [Redacted] - INSURANCE: None per LOX HOA: $[Redacted]/ [Redacted] - review [Redacted]-[Redacted](HOI) | 03/11/2026 |  |  | 1 C A |  | MD | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226034 |  | 3158623218 |  | 36009008 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and 442 is not in images. |  |  |  | Reviewer Comment (2026-03-11): 442 in file and acceptable<br>Buyer Comment (2026-03-11): Do Not Concur - please review #[Redacted] in file | 03/11/2026 |  |  | 1 C A |  | MD | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226035 |  | 3158623220 |  | 35999308 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing mortgage statement, tax and HOA<br> documentation for property located at [Redacted]. |  |  |  | Reviewer Comment (2026-03-10): HOA documentation and explanation received<br>Buyer Comment (2026-03-10): Do Not Concur - Per the URLA, borrower has owned [Redacted] for [Redacted] years and [Redacted] months<br> [Redacted] was owned free and clear via lien search prior to the opening of the new HELOC. HOI and flood policies both indicate a mortgagee<br> Flood $[Redacted] and HOI $[Redacted] plus taxes $[Redacted] / [Redacted] is $[Redacted] (agrees with amount disclosed on 1003-no HOA disclosed on 1003 or [Redacted]) Supporting Documents in file: Flood [Redacted], Bank Statement [Redacted]-[Redacted], Tax Verification [Redacted] | 03/10/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226038 |  | 3158623227 |  | 35999573 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in loan file to evidence delivery of the appraisal to the borrowers at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-03-11): proof of appraisal delivery in file and acceptable<br>Buyer Comment (2026-03-11): Do Not Concur - please review #[Redacted] (email confirmation) | 03/11/2026 |  |  | 1 B A |  | FL | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226041 |  | 3158623233 |  | 35990928 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted] days of note date |  |  |  | Reviewer Comment (2026-03-09): VVOE received and acceptable<br>Buyer Comment (2026-03-09): Document in file, however appears did not transfer completely [Redacted] | 03/09/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226041 |  | 3158623233 |  | 35991602 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the missing VVOE for the co-borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2026-03-09): VVOE received and acceptable | 03/09/2026 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226041 |  | 3158623233 |  | 35991603 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing VVOE for the co-borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2026-03-09): VVOE received and acceptable | 03/09/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226041 |  | 3158623233 |  | 35991615 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing a VVOE for the co-borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2026-03-09): VVOE received and acceptable | 03/09/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226041 |  | 3158623233 |  | 35991620 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to the missing VVOE for the co-borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2026-03-09): VVOE received and acceptable | 03/09/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226043 |  | 3158623236 |  | 35998020 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP SSR does not disclose a score for co-op properties, which does not meet securitization requirements. |  |  |  | Reviewer Comment (2026-03-11): desk review received and acceptable<br>Buyer Comment (2026-03-11): Please review CDA | 03/11/2026 |  |  | 1 D A |  | DC | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226044 |  | 3158623237 |  | 35997651 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-09): Sufficient Cure Provided At Closing |  | 03/09/2026 |  | 1 A |  | NY | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226046 |  | 3158623241 |  | 35993521 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. |  |  |  | Reviewer Comment (2026-03-11): desk review product received and acceptable<br>Buyer Comment (2026-03-11): Please review uploaded CDA. | 03/11/2026 |  |  | 1 D A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226046 |  | 3158623241 |  | 35993572 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. |  |  |  | Reviewer Comment (2026-03-09): proof of appraisal delivery received<br>Buyer Comment (2026-03-09): Please see [Redacted], [Redacted], [Redacted], [Redacted], [Redacted] | 03/09/2026 |  |  | 1 B A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226046 |  | 3158623241 |  | 35993575 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan exceeds margin of [Redacted]% above Safe Harbor APR allowance. |  |  |  | Reviewer Comment (2026-03-11): [Redacted] received LOA indicating MI was waived on [Redacted].<br>Buyer Comment (2026-03-10): Please review [Redacted].<br>Reviewer Comment (2026-03-10): Please provide LOA indicating the transaction does not include or require mortgage insurance.<br>Buyer Comment (2026-03-09): Please clear QM fail when citings for finance charge and TOP are cleared. | 03/11/2026 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226046 |  | 3158623241 |  | 35993577 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. |  |  |  | Reviewer Comment (2026-03-11): [Redacted] received LOA indicating MI was waived on [Redacted].<br>Buyer Comment (2026-03-10): Please review [Redacted].<br>Reviewer Comment (2026-03-10): Please provide LOA indicating the transaction does not include or require mortgage insurance.<br>Buyer Comment (2026-03-10): Please be advised that [Redacted] PCCD does not have mortgage insurance. Calculations appear to include the MI of $[Redacted] from [Redacted] final CD in error.<br>Buyer Comment (2026-03-09): Please review page [Redacted] of [Redacted] on [Redacted] ([Redacted]) with calculated finance charge of $[Redacted]. | 03/11/2026 |  |  | 1 C A |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226046 |  | 3158623241 |  | 35993578 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. |  |  |  | Reviewer Comment (2026-03-11): [Redacted] received LOA indicating MI was waived on [Redacted].<br>Buyer Comment (2026-03-10): Please review [Redacted].<br>Reviewer Comment (2026-03-10): Please provide LOA indicating the transaction does not include or require mortgage insurance.<br>Buyer Comment (2026-03-10): Please be advised that [Redacted] PCCD does not have mortgage insurance. Calculations appear to include the MI of $[Redacted] from [Redacted] final CD in error.<br>Buyer Comment (2026-03-09): Please review page [Redacted] of [Redacted] on [Redacted] ([Redacted]) with TOP of $[Redacted]. | 03/11/2026 |  |  | 1 C A |  | NY | 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 |
| 225226046 |  | 3158623241 |  | 36074291 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | escrow amount does not match disclosed IEAD. |  |  |  | Reviewer Comment (2026-03-16): MI removed after closing. | 03/16/2026 |  |  | 1 A |  | NY | Primary | Purchase | Provide the following: Letter of Explanation<br> notifying borrower or error and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226047 |  | 3158623242 |  | 35992347 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-06): Sufficient Cure Provided At Closing |  | 03/06/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226048 |  | 3158623248 |  | 35992447 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-06): Sufficient Cure Provided At Closing |  | 03/06/2026 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226050 |  | 3158623253 |  | 36005568 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-09): Sufficient Cure Provided At Closing |  | 03/09/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226051 |  | 3158623254 |  | 36001043 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [Redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Receipt dated [Redacted]; however, appraisal report dated [Redacted]. |  |  |  | Reviewer Comment (2026-03-10): proof of appraisal delivery received<br>Buyer Comment (2026-03-10): Do not concur. Effective Date of Appraisal is used as reference date. Appraisal can be delivered to borrower at any time on or after that date. Primary appraisal was completed [Redacted] (signed [Redacted], [Redacted] and [Redacted]). Secondary appraisal was completed [Redacted] (signed on [Redacted] and [Redacted]). Delivery on [Redacted] is after for both. | 03/10/2026 |  |  | 1 B A |  | FL | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226051 |  | 3158623254 |  | 36001044 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [Redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Receipt dated [Redacted]; however, appraisal report dated [Redacted]. |  |  |  | Reviewer Comment (2026-03-10): proof of appraisal delivery received<br>Buyer Comment (2026-03-10): Do not concur. Effective Date of Appraisal is used as reference date. Appraisal can be delivered to borrower at any time on or after that date. Primary appraisal was completed [Redacted] (signed [Redacted], [Redacted] and [Redacted]). Secondary appraisal was completed [Redacted] (signed on [Redacted] and [Redacted]). Delivery on [Redacted] is after for both. | 03/10/2026 |  |  | 1 B A |  | FL | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226052 |  | 3158623255 |  | 35991028 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-06): Sufficient Cure Provided At Closing |  | 03/06/2026 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226052 |  | 3158623255 |  | 35991636 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three [Redacted] business days of application. | Affiliated Business Arrangement disclosure dated [Redacted] was not provided to borrower within three [Redacted] business days of application dated [Redacted] The [Redacted] application does not reflect a subject property; however, there is no documentation in file to evidence date property address was provided to Lender to complete the application information needed for TRID timing. |  |  |  | Reviewer Comment (2026-03-09): correct application date received<br>Buyer Comment (2026-03-09): Please review uploaded doc showing unredacted date of [Redacted] for loan officer indicating revised application initiated [Redacted]. This doc coincides with [Redacted]. Also, [Redacted] indicates purchase contract dated [Redacted] and [Redacted] and [Redacted] indicates revised application signed by both borrowers. | 03/09/2026 |  |  | 1 B A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226052 |  | 3158623255 |  | 35991637 |  | 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 [Redacted] business days of application. | Initial Loan Estimate dated [Redacted] was not provided to borrower within three [Redacted] business days of application dated [Redacted]. The [Redacted] application does not reflect a subject property; however, there is no documentation in file to evidence date property address was provided to Lender to complete the application information needed for TRID timing. |  |  |  | Reviewer Comment (2026-03-09): correct application date received<br>Buyer Comment (2026-03-09): Please review uploaded doc showing unredacted date of [Redacted] for loan officer indicating revised application initiated [Redacted]. This doc coincides with [Redacted] . Also, [Redacted] indicates purchase contract dated [Redacted] and [Redacted] and [Redacted] indicates revised application signed by both borrowers. | 03/09/2026 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226052 |  | 3158623255 |  | 35991646 |  | 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 [Redacted] days of the loan application date. | Appraisal Disclosure dated [Redacted] was not provided to borrower within three [Redacted] business days of application dated [Redacted].The [Redacted] application does not reflect a subject property; however, there is no documentation in file to evidence date property address was provided to Lender to complete the application information needed for TRID timing. |  |  |  | Reviewer Comment (2026-03-09): correct application date received<br>Buyer Comment (2026-03-09): Please review uploaded doc showing unredacted date of [Redacted] for loan officer indicating revised application initiated [Redacted]. This doc coincides with [Redacted]. Also, [Redacted] indicates purchase contract dated [Redacted] and [Redacted] and [Redacted] indicates revised application signed by both borrowers. | 03/09/2026 |  |  | 1 B A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226052 |  | 3158623255 |  | 35991647 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank [Redacted]): List of Homeownership Counseling Organizations not provided to applicant within three [Redacted] business days of application. | List of Homeownership Counseling Organizations disclosure [Redacted] not provided to applicant within three [Redacted] business days of application [Redacted]. The [Redacted] application does not reflect a subject property; however, there is no documentation in file to evidence date property address was provided to Lender to complete the application information needed for TRID timing. |  |  |  | Reviewer Comment (2026-03-09): correct application date received<br>Buyer Comment (2026-03-09): Please review uploaded doc showing unredacted date of [Redacted] for loan officer indicating revised application initiated [Redacted]. This doc coincides with [Redacted]. Also, [Redacted] indicates purchase contract dated [Redacted] and [Redacted] and [Redacted] indicates revised application signed by both borrowers. | 03/09/2026 |  |  | 1 B A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226053 |  | 3158623256 |  | 35988239 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File did not contain a Title Commitment or the Final Title policy. |  |  |  | Reviewer Comment (2026-03-09): title commitment in file and acceptable<br>Buyer Comment (2026-03-09): Do not concur. Please see [Redacted], [Redacted] and [Redacted]. | 03/09/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226056 |  | 3158623263 |  | 35989151 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. |  |  |  |  | Reviewer Comment (2026-03-09): client accepts EV2 condition<br>Buyer Comment (2026-03-09): EV2 accepted |  |  | 03/09/2026 | 2 B |  | NM | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226057 |  | 3158623264 |  | 36016577 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 130(b) Cure | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. |  |  |  |  | Reviewer Comment (2026-03-10): Sufficient cure provided prior to TPR loan review | 03/10/2026 |  |  | 1 C A |  | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226058 |  | 3158623266 |  | 35992398 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $[Redacted] on the initial Loan Estimate but was disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2026-03-10): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-03-09): Do not concur. D0193 and D0195 reflect $[Redacted] cure | 03/10/2026 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226058 |  | 3158623266 |  | 35992399 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for fee increase. The cure provided at closing ($[Redacted]) is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2026-03-25): UW discretion for additional requirement is valid COC reason.<br>Buyer Comment (2026-03-25): Could this please be reviewed again. The UW reviewed the appraisal received on [Redacted] and felt to mitigate risk on a cash out transaction a CDA was needed to support the appraised value and disclosed on COC dated [Redacted].<br>Reviewer Comment (2026-03-12): [Redacted] received updated COC indicates that UW requested to a CDA to support the appraisal value. However, [Redacted] also required additional information and documentation of the reason for the CDA requirement. What new was information was received or impact that UW requested to add the CDA and when was that information received, or Cure is required to borrower.<br>Buyer Comment (2026-03-11): Please review uploaded CIC. | 03/25/2026 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226060 |  | 3158623273 |  | 35997602 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Tax Service Fee (Life Of Loan) changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-11): [Redacted] received valid COC document<br>Buyer Comment (2026-03-10): Please see the Correspondent LOX on page [Redacted] ([Redacted]) stating the borrower requested change in the loan product and the fees were updated based on the program and investor.. | 03/11/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226061 |  | 3158623274 |  | 36006496 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2026-03-09): Sufficient Cure Provided At Closing |  | 03/09/2026 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226064 |  | 3158623279 |  | 35992507 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-06): Sufficient Cure Provided At Closing |  | 03/06/2026 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226065 |  | 3158623281 |  | 35992040 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. |  |  |  | Reviewer Comment (2026-03-09): client accepts EV2 condition<br>Buyer Comment (2026-03-09): EV2 accepted. |  |  | 03/09/2026 | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226066 |  | 3158623282 |  | 35998759 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-03-09): Sufficient Cure Provided within [Redacted] Days of Closing |  | 03/09/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226066 |  | 3158623282 |  | 35998760 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-03-09): Sufficient Cure Provided within [Redacted] Days of Closing |  | 03/09/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226068 |  | 3158623286 |  | 35989530 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the title evidence in file. |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226068 |  | 3158623286 |  | 35989547 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | The final Closing Disclosure was not signed by one of the borrowers until [Redacted]. The earliest disbursement date based on [Redacted] transaction date would have been [Redacted]. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received confirmation of post close CD date issued not [Redacted] but [Redacted] per print date.<br>Buyer Comment (2026-03-13): Please review again -2nd Post CD (incorrect date) issued [Redacted]- print date [Redacted], corrected disbursement date ([Redacted]) | 03/16/2026 |  |  | 1 C A |  | CT | 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 |
| 225226068 |  | 3158623286 |  | 35989548 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 3 C |  | CT | 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 |
| 225226068 |  | 3158623286 |  | 35989567 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Issue was corrected on Post-Close CD; however, to fully cure the issue the following are still needed: 1) Letter of Explanation to the borrowers, 2) proof of delivery, 3) refund check for the underdisclosed amount, and 4) evidence rescission was re-opened and has passed. |  |  |  | Reviewer Comment (2026-03-25): EXCEPTION HISTORY - Exception Detail was updated on[Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). (Final/[Redacted])<br>Reviewer Comment (2026-03-24): Most issues on this loan are caused because the final CD closed with the incorrect payment on the final CD. Review of the Security instrument confirms the loan amount changed from the [Redacted] CDs to the [Redacted], and all subsequent CDs.<br>Consummation date for this transaction is [Redacted]. At that time the payment amount on the final CD was $[Redacted].<br> $[Redacted]. Section D = $[Redacted], and interest is $[Redacted] for a total of $[Redacted]. (not adjusted for final payment)<br>The PCCDs from [Redacted], [Redacted] show<br> $[Redacted]. Section D shows $[Redacted] and interest is $[Redacted] for a total of $[Redacted]. (A reduction in section H of $[Redacted] and an increase in interest of $[Redacted]) again the figure is not adjusted for final payment discrepancy. the increased payment amount matches the note in file.<br>The PCCD from [Redacted] shows a reduction in prepaid interest to $[Redacted] for a reduction of $[Redacted].<br>Total cure required is $[Redacted] (adjusted for final payment) which will also off set the finance charge.<br> Please provide final settlement statement to verify fees and interest paid by borrower at closing to verify cure amount.<br>Lastly, [Redacted] has received PCCD, so remaining required documents to complete cure are Copy of LOE and refund check, re-opening of rescission, and proof of delivery.<br>Buyer Comment (2026-03-24): Please see the PCCD and LOE<br>Reviewer Comment (2026-03-19): [Redacted] received disbursement ledger and copies of disbursement checks, however, this does not address this violation. The final CD, see doc 241, as per lender's clarification of the final CD, and which is executed by borrower with wet sign dates at consummation, disclosed the Finance Charge at $[Redacted] and TOP of $[Redacted]. However, the correct calculations should have been $[Redacted] on Finance Charge and $[Redacted] for the TOP. This caused the violations for underdisclosure on the Final CD of $[Redacted] on Finance Charge and $[Redacted] on TOP. A corrected CD was provided, Doc ID 243 which updated the calculations to match the correct calculations but the remaining cure documents were not provided. Though the Corrected CD was provided must cure the final CD underdisclosure with LOE to borrower which accompanied the [Redacted] Post Clsoe CD (this had the clerical error date issued [Redacted]), copy of cure refund of $[Redacted] for the TOP underdisclosure which can also be used to cure the lower Finance Charge underdisclosure of $[Redacted], proof of mailing of cure and proof of reopening of rescission to all consumers as these are material disclosure violations on a rescindable transaction.<br>Buyer Comment (2026-03-19): Please see Disbursement Ledger..<br>Reviewer Comment (2026-03-16): [Redacted] received rebuttal that [Redacted] CD was post close CD issued [Redacted] and to note actual issue date type stamp date at bottom of CD, Doc ID 0243. Finance charge at closing was disclosed as $[Redacted], Amount financed at $[Redacted] and TOP at $[Redacted]. The calculated Finance charge was $[Redacted] and TOP was $[Redacted]. Finance charge was underdisclosed $[Redacted] at closing to borrower and TOP was underdisclosed $[Redacted]. Underdisclosure to be cured with Corrected CD, LOE to borrower, copy of cure refund of $[Redacted] on TOP which can also cure the Finance charge underdisclosure of $[Redacted], proof of mailing and proof of reopening of rescission to all consumers.<br>Reviewer Comment (2026-03-16): correct violation<br>Reviewer Comment (2026-03-12): Exception cleared, new corrected exception posted.<br>Reviewer Comment (2026-03-10): [Redacted] received rebuttal that PCCD was in file at TPR review and no lox, proof of delivery of ROR is required. However, this is a Material Disclosure violation and under 130(b) restitution requirements on a Post Close cure requires a copy of the LOE that accompanied the Corrected CD explaining the violation & cure along with copy of cure refund for total underdisclosure, proof of mailing and as it is a rescindable transaction, proof of reopening of rescission to all parties. TOP was underdisclosed $[Redacted] and Finance charege was underdisclosed $[Redacted]. The greater TOP cure refund can be utilized towards the finance charge also.<br>Buyer Comment (2026-03-10): The PCCD was in the file at the time of AMC review, no LOX, proof of delivery and ROR is required. |  |  |  | 3 C |  | CT | 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 |
| 225226068 |  | 3158623286 |  | 35989568 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Issue was corrected on Post-Close CD; however, to fully cure the issue the following are still needed: 1) Letter of Explanation to the borrowers, 2) proof of delivery, and 3) evidence rescission was re-opened and has passed. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received rebuttal that [Redacted] CD was post close CD issued [Redacted] and to note actual issue date type stamp date at bottom of CD, Doc ID 0243. Projected P&I disclosed at $[Redacted] on the Final CD. Corrected CD updated to match Note at $[Redacted] was provided. This was corrected post closing and is a material disclosure violation. To finalize cure, provide copy of LOE to borrower and proof of reopening of rescission.<br>Reviewer Comment (2026-03-16): correct violation<br>Reviewer Comment (2026-03-12): Exception cleared, new corrected exception posted.<br>Reviewer Comment (2026-03-10): [Redacted] received rebuttal that PCCD was in file at TPR review and no lox, proof of delivery of ROR is required. However, this is a Material Disclosure violation and under 130(b) restitution requirements on a Post Close cure requires a copy of the LOE that accompanied the Corrected CD explaining the violation & cure and as it is a rescindable transaction, proof of reopening of rescission to all parties.<br>Buyer Comment (2026-03-10): The PCCD was in the file at the time of AMC review, no LOX, proof of delivery and ROR is required. |  |  |  | 3 C |  | CT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226068 |  | 3158623286 |  | 35989569 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Issue was corrected on Post-Close CD; however, to fully cure the issue the following are still needed: 1) Letter of Explanation to the borrowers, 2) proof of delivery, and 3) evidence rescission was re-opened and has passed. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received rebuttal that [Redacted] CD was post close CD issued [Redacted] and to note actual issue date type stamp date at bottom of CD, Doc ID 0243. Projected P&I disclosed at $[Redacted] on the Final CD. Corrected CD updated to match Note at $[Redacted] was provided. This was corrected post closing and is a material disclosure violation. To finalize cure, provide copy of LOE to borrower and proof of reopening of rescission.<br>Reviewer Comment (2026-03-16): correct violation<br>Reviewer Comment (2026-03-12): Exception cleared, new corrected exception posted.<br>Reviewer Comment (2026-03-10): [Redacted] received rebuttal that PCCD was in file at TPR review and no lox, proof of delivery of ROR is required. However, this is a Material Disclosure violation and under 130(b) restitution requirements on a Post Close cure requires a copy of the LOE that accompanied the Corrected CD explaining the violation & cure and as it is a rescindable transaction, proof of reopening of rescission to all parties.<br>Buyer Comment (2026-03-10): The PCCD was in the file at the time of AMC review, no LOX, proof of delivery and ROR is required. |  |  |  | 3 C |  | CT | 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 |
| 225226068 |  | 3158623286 |  | 35989570 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | Issue was corrected on Post-Close CD; however, to fully cure the issue the following are still needed: 1) Letter of Explanation to the borrowers, 2) proof of delivery, 3) refund check for the underdisclosed amount, and 4) evidence rescission was re-opened and has passed. |  |  |  | Reviewer Comment (2026-03-25): EXCEPTION HISTORY - Exception Detail was updated on[Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). (Final/[Redacted])<br>Reviewer Comment (2026-03-24): Most issues on this loan are caused because the final CD closed with the incorrect payment on the final CD. Review of the Security instrument confirms the loan amount changed from the [Redacted] CDs to the [Redacted], and all subsequent CDs.<br>Consummation date for this transaction is [Redacted]. At that time the payment amount on the final CD was $[Redacted].<br> $[Redacted]. Section D = $[Redacted], and interest is $[Redacted] for a total of $[Redacted]. (not adjusted for final payment)<br>The PCCDs from [Redacted], [Redacted] show<br> $[Redacted]. Section D shows $[Redacted] and interest is $[Redacted] for a total of $[Redacted]. (A reduction in section H of $[Redacted] and an increase in interest of $[Redacted]) again the figure is not adjusted for final payment discrepancy. the increased payment amount matches the note in file.<br>The PCCD from [Redacted] shows a reduction in prepaid interest to $[Redacted] for a reduction of $[Redacted].<br>Total cure required is $[Redacted] (adjusted for final payment) which will also off set the finance charge.<br> Please provide final settlement statement to verify fees and interest paid by borrower at closing to verify cure amount.<br>Lastly, [Redacted] has received PCCD, so remaining required documents to complete cure are Copy of LOE and refund check, re-opening of rescission, and proof of delivery.<br>Buyer Comment (2026-03-24): Please see the PCCD and LOE<br>Buyer Comment (2026-03-24): Please see PCCD and LOE<br>Reviewer Comment (2026-03-19): [Redacted] received disbursement ledger and copies of disbursement checks, however, this does not address this violation. The final CD, see doc 241, as per lender's clarification of the final CD, and which is executed by borrower with wet sign dates at consummation, disclosed the Finance Charge at $[Redacted] and TOP of $[Redacted]. However, the correct calculations should have been $[Redacted] on Finance Charge and $[Redacted] for the TOP. This caused the violations for underdisclosure on the Final CD of $[Redacted] on Finance Charge and $[Redacted] on TOP. A corrected CD was provided, Doc ID 243 which updated the calculations to match the correct calculations but the remaining cure documents were not provided. Though the Corrected CD was provided must cure the final CD underdisclosure with LOE to borrower which accompanied the [Redacted] Post Clsoe CD (this had the clerical error date issued [Redacted]), copy of cure refund of $[Redacted] for the TOP underdisclosure which can also be used to cure the lower Finance Charge underdisclosure of $[Redacted], proof of mailing of cure and proof of reopening of rescission to all consumers as these are material disclosure violations on a rescindable transaction.<br>Buyer Comment (2026-03-18): Please see PCCD and LOE<br>Reviewer Comment (2026-03-16): [Redacted] received rebuttal that [Redacted] CD was post close CD issued [Redacted] and to note actual issue date type stamp date at bottom of CD, Doc ID 0243. Finance charge at closing was disclosed as $[Redacted], Amount financed at $[Redacted] and TOP at $[Redacted]. The calculated Finance charge was $[Redacted] and TOP was $[Redacted]. Finance charge was underdisclosed $[Redacted] at closing to borrower and TOP was underdisclosed $[Redacted]. Underdisclosure to be cured with Corrected CD, LOE to borrower, copy of cure refund of $[Redacted] on TOP which can also cure the Finance charge underdisclosure of $[Redacted], proof of mailing and proof of reopening of rescission to all consumers.<br>Reviewer Comment (2026-03-16): correct violation<br>Reviewer Comment (2026-03-12): Exception cleared, new corrected exception posted.<br>Buyer Comment (2026-03-11): The loan amount error was corrected prior to disbursement on PCCD. There is also a Change of Circumstance dated [Redacted] (D0359) showing the loan amount change to $[Redacted] which matches the Note, Mortgage and Final 1003. Please confirm rationale for additional LOE and refund being required when borrower was aware of the loan amount correction prior to disbursement?<br>Reviewer Comment (2026-03-10): [Redacted] received rebuttal that PCCD was in file at TPR review and no lox, proof of delivery of ROR is required. However, this is a Material Disclosure violation and under 130(b) restitution requirements on a Post Close cure requires a copy of the LOE that accompanied the Corrected CD explaining the violation & cure along with copy of cure refund for total underdisclosure, proof of mailing and as it is a rescindable transaction, proof of reopening of rescission to all parties. TOP was underdisclosed $[Redacted] and Finance charege was underdisclosed $[Redacted]. The greater TOP cure refund can be utilized towards the finance charge also.<br>Buyer Comment (2026-03-10): The PCCD was in the file at the time of AMC review, no LOX, proof of delivery and ROR is required. |  |  |  | 3 C |  | CT | Primary | Refinance - Cash-out - Other | 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 i(required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226068 |  | 3158623286 |  | 36052832 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Finance charge under disclosed. Final CD shows incorrect payment amount. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received confirmation of post close CD date issued not [Redacted] but [Redacted] per print date.<br>Buyer Comment (2026-03-13): Please review again - Final CD, Date Issued [Redacted] with print date [Redacted] (incorrectly disclosed loan amount) ; 1st Post CD, Date Issued [Redacted] with print date [Redacted] (corrected loan amount $[Redacted] prior to disbursement/borrower acknowledged) ; 2nd Post CD (incorrect date) Date Issued [Redacted] - print date [Redacted] (corrected disbursement date ([Redacted])) ; Mortgage $[Redacted] notarized 1[Redacted]/Note $[Redacted] dated [Redacted] - do not believe refund should be required | 03/16/2026 |  |  | 1 A |  | CT | 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 |
| 225226068 |  | 3158623286 |  | 36052833 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Final CD shows incorrect payment amount. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received confirmation of post close CD date issued not [Redacted] but [Redacted] per print date. | 03/16/2026 |  |  | 1 A |  | CT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226068 |  | 3158623286 |  | 36052834 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Final CD shows incorrect payment amount. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received confirmation of post close CD date issued not [Redacted] but [Redacted] per print date. | 03/16/2026 |  |  | 1 A |  | CT | 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 |
| 225226068 |  | 3158623286 |  | 36052835 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | TOP under disclosed. Final CD shows incorrect payment amount. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received confirmation of post close CD date issued not [Redacted] but [Redacted] per print date. | 03/16/2026 |  |  | 1 A |  | CT | Primary | Refinance - Cash-out - Other | 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 i(required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226070 |  | 3158623288 |  | 35990556 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2026-03-09): verification of appraisal delivery in file<br>Buyer Comment (2026-03-09): Please re-review - the Appraisal acknowledgment is in the file and located on page [Redacted] ([Redacted]) of the Loan File. | 03/09/2026 |  |  | 1 B A |  | FL | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226070 |  | 3158623288 |  | 35991110 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing in the file. |  |  |  | Reviewer Comment (2026-03-09): e-consent language in file and acceptable<br>Buyer Comment (2026-03-09): Please re-review - See page [Redacted] ([Redacted]) of the loan file...Section 6 (4) Electronic Records and Signatures contains verbiage in upper right hand corner "if this application is created as (or converted into) an "electronic application", I consent to the use of "electronic records" and "electronic signatures" as the terms are defined in and governed by applicable Federal and/or state electronic transaction laws." | 03/09/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226072 |  | 3158623290 |  | 36009641 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception for high risk collateral. Exception approved, with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-09): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 03/09/2026 | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226073 |  | 3158623291 |  | 35993891 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | The file is missing a copy of Initial Escrow Disclosure |  |  |  | Reviewer Comment (2026-03-09): IEADS received<br>Buyer Comment (2026-03-09): Please see [Redacted] located on page [Redacted] ([Redacted]) of the Loan File | 03/09/2026 |  |  | 1 B A |  | NJ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226073 |  | 3158623291 |  | 35993926 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception for income documentation. Exception approved, with comp factors. | Borrower has been employed in the same industry for<br> more than [Redacted] years.<br>Borrower has worked in the same position for more<br> than [Redacted] years.<br>Borrowers made a down payment from their own<br> funds on this purchase transaction of at least<br> [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]%<br> less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to<br> [Redacted]%.<br>The representative FICO score is above [Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-06): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 03/06/2026 | 2 B |  | NJ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226074 |  | 3158623292 |  | 35997850 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Exception form in file for high risk collateral due to subject being a legal 2-family with a second kitchen in one of the units which is not typical for the market. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-09): Exception approved with comp factors. |  |  | 03/09/2026 | 2 B |  | MA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226076 |  | 3158623295 |  | 35992092 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception for high risk collateral. Exception approved, with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-06): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 03/06/2026 | 2 B |  | NJ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226077 |  | 3158623296 |  | 35987149 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [Redacted] business days prior to consummation. | Revised Closing Disclosure dated [Redacted] was also received by the borrower [Redacted] and had an APR increase; however, it was not at least 3 business days prior to closing date of [Redacted]. |  |  |  | Reviewer Comment (2026-03-23): client accepts EV3 condition.<br>Buyer Comment (2026-03-23): EV3 accepted.<br>Reviewer Comment (2026-03-10): The APR increased on [Redacted], and change was received by borrower on [Redacted]. However, closing took place on [Redacted], which is less than three days from the change. TRID Grid 4.0, Additional Considerations, Row 23, states the following: If the APR disclosed on the initial CD becomes inaccurate (increases or decreases beyond tolerance for accuracy set forth under 1026.22, a revised CD and an additional 3-day waiting period is required.<br>Buyer Comment (2026-03-09): Please review document D0250 valid Change in Circumstance list reason for increase; The Items being Escrowed has changed [Redacted]. |  |  | 03/23/2026 | 3 C |  | FL | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226080 |  | 3158623302 |  | 35987424 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Valid COC is not available for Appraisal Desk Review Fee. |  |  |  | Reviewer Comment (2026-03-06): Sufficient Cure Provided At Closing |  | 03/06/2026 |  | 1 A |  | RI | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226082 |  | 3158623306 |  | 36007946 |  | 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 [Redacted] days of the loan application date. | Application date is [Redacted], earliest Right to Receive copy of Appraisal document in the file is [Redacted]. |  |  |  | Reviewer Comment (2026-03-11): updated to correct application date, disclosure produced timely<br>Buyer Comment (2026-03-11): Do not concur. The Application date is [Redacted]. the Document ID's [Redacted] and [Redacted] confirm correct application date as [Redacted]. Compliance Report and Funding Request form please cancel exception. | 03/11/2026 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226082 |  | 3158623306 |  | 36007948 |  | 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 [Redacted] business days of application. | Application date is [Redacted], earliest Loan Estimate in the file is [Redacted]. |  |  |  | Reviewer Comment (2026-03-11): updated to correct application date, disclosure produced timely<br>Buyer Comment (2026-03-11): Do not concur the borrower received earlier EConsent. Please review document ID numbers [Redacted] and [Redacted]. The Disclosure Tracking Summary and Disclosure Tracking Details confirm consent accepted. Please cancel excpetions. | 03/11/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226084 |  | 3158623308 |  | 36055122 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] [Redacted] business days prior to consummation. | No documentation in file to evidence delivery of the updated appraisal to the borrowers at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-03-18): Resolved with additional information provided<br>Buyer Comment (2026-03-17): Please re-review document [Redacted] the Pre-Closer emailed on [Redacted] the borrower a copy Appraisal and Reconsideration of Value Disclosure this is acceptable evidence. I attest this is the same borrower email address as listed on the URLA/1003 under Contact Information. The borrower email address was redacted for privacy policy.<br>Reviewer Comment (2026-03-16): The "To" email address is not visible due to redaction so unable to determine this was to the borrower. Finding remains open for additional documentation.<br>Buyer Comment (2026-03-16): Please review document [Redacted] Appraisal email to borrower | 03/18/2026 |  |  | 1 B A |  | FL | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226084 |  | 3158623308 |  | 36055123 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | No documentation in file to evidence delivery of the appraisal to the borrowers at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-03-18): Resolved with additional information provided.<br>Buyer Comment (2026-03-17): Please re-review document [Redacted] the Pre-Closer emailed on [Redacted] the borrower a copy Appraisal and Reconsideration of Value Disclosure this is acceptable evidence. I attest this is the same borrower email address as listed on the URLA/1003 under Contact Information. The borrower email address was redacted for privacy policy.<br>Reviewer Comment (2026-03-16): The "To" email address is not visible due to redaction so unable to determine this was to the borrower. Finding remains open for additional documentation.<br>Buyer Comment (2026-03-16): Please review document [Redacted] Appraisal , Reconsideration of Value Disclosure emailed to borrower | 03/18/2026 |  |  | 1 B A |  | FL | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226085 |  | 3158623309 |  | 36002945 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] [Redacted] business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2026-03-11): proof of appraisal delivery received<br>Buyer Comment (2026-03-11): Please review document ID [Redacted] ,Appraisal receipt confirmed by borrower | 03/11/2026 |  |  | 1 B A |  | CO | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226085 |  | 3158623309 |  | 36002946 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] [Redacted] business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2026-03-11): proof of appraisal delivery received<br>Buyer Comment (2026-03-11): Please review Document ID [Redacted] , Appraisal receipt by borrower | 03/11/2026 |  |  | 1 B A |  | CO | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226085 |  | 3158623309 |  | 36002948 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] [Redacted] business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2026-03-11): proof of appraisal delivery received<br>Buyer Comment (2026-03-11): Please review document ID's [Redacted] and [Redacted] Appraisal delivery to borrower. | 03/11/2026 |  |  | 1 B A |  | CO | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226085 |  | 3158623309 |  | 36002949 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2026-03-11): proof of appraisal delivery received<br>Buyer Comment (2026-03-11): Please review document ID's [Redacted] and [Redacted] Appraisal delivery to borrower. | 03/11/2026 |  |  | 1 B A |  | CO | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226088 |  | 3158623315 |  | 36006555 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-09): Sufficient Cure Provided At Closing |  | 03/09/2026 |  | 1 A |  | UT | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226088 |  | 3158623315 |  | 36014436 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exceptions of DTI Ratio. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-10): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 03/10/2026 | 2 B |  | UT | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226088 |  | 3158623315 |  | 36015248 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted]([Redacted]) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to DTI exceeding guidelines. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-10): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 03/10/2026 | 2 B |  | UT | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226089 |  | 3158623316 |  | 35999787 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2026-03-11): desk review received and acceptable<br>Buyer Comment (2026-03-11): Please see attached CDA. | 03/11/2026 |  |  | 1 D A |  | CO | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226089 |  | 3158623316 |  | 36000556 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-13): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-03-12): Do Not Concur. There was a loan amount change which changed the lender credit (premium pricing slightly) | 03/13/2026 |  |  | 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 |
| 225226089 |  | 3158623316 |  | 36000557 |  | 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 [Redacted] form was used, the [Redacted] form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [Redacted] form was used, the [Redacted] form should have been used. |  |  |  | Reviewer Comment (2026-03-12): correct RTC form in file<br>Buyer Comment (2026-03-12): Do not Concur. The original creditor field in [Redacted] was correctly entered as a [Redacted] affiliate which matched the Title schedule B. The rescindable amount is negative value. There were netting escrows on the [Redacted] payoff and the escrow balance on that lien was negative also. These negative amounts play a role in the [Redacted] system to why the H-8 form was selected. | 03/12/2026 |  |  | 1 B A |  | CO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226090 |  | 3158623321 |  | 36008002 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-09): Sufficient Cure Provided At Closing |  | 03/09/2026 |  | 1 A |  | KY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226091 |  | 3158623323 |  | 35996831 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The commitment title report in file disclosed $[Redacted] of title insurance Coverage; however, this is less than the loan amount of $[Redacted]. |  |  |  | Reviewer Comment (2026-03-19): title policy received<br>Buyer Comment (2026-03-19): Final Title Policy provided | 03/19/2026 |  |  | 1 B A |  | NJ | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226091 |  | 3158623323 |  | 35997018 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-12): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-03-11): The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | 03/12/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226094 |  | 3158623327 |  | 35997193 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee Total changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-03-12): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Buyer Comment (2026-03-11): The Recording Fee Total changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | 03/12/2026 |  |  | 1 C A |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226094 |  | 3158623327 |  | 35997194 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-03-19): valid COC received and timely delivered to client<br>Buyer Comment (2026-03-19): Do Not Concur. Please see CICs for Loan amount change on [Redacted] and the discount points changed on CD v3 which disclosed timely.<br>Reviewer Comment (2026-03-17): [Redacted] received snips of COC dated [Redacted] but the reason is not provided as to why the points were changed. Also, provided snips does not shows the borrower or loan information. Please provide complete snips to verify the COC is for current transaction with reason for increase.<br>Buyer Comment (2026-03-13): Please see valid CICs for [Redacted] discount points change.<br>Reviewer Comment (2026-03-12): [Redacted] received COC dated [Redacted], however we require valid COC for CD dated [Redacted]. Please provide valid COC why the loan discount point was added on [Redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-03-11): Do Not Concur. The discount points decreased with valid CICs but decreased in favor of customer from $[Redacted] to $[Redacted] through closing so no cure would be needed even if there was no valid CIC | 03/19/2026 |  |  | 1 C A |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226095 |  | 3158623328 |  | 35992511 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Total Recording fees changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing [Redacted] is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-03-12): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-03-11): Do Not Concur. Please advise when the recording fees increased to $[Redacted], the CD issued on [Redacted] shows that recording fees increased to $[Redacted] and the cure of $[Redacted] that is on the CD is sufficient. | 03/12/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226095 |  | 3158623328 |  | 35992512 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the LE/CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing [Redacted] is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-03-12): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-03-11): Do Not Concur. The discount points increased to $[Redacted] with valid CIC when the loan locked, the baseline was set here and points can float until the loan locks. | 03/12/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226095 |  | 3158623328 |  | 36043267 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-12): Sufficient Cure Provided At Closing |  | 03/12/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226096 |  | 3158623332 |  | 35999518 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing e-Sign Consent Agreement, which is required due to electronically signed disclosures. |  |  |  | Reviewer Comment (2026-03-12): econsent form received<br>Buyer Comment (2026-03-12): E Consent provided | 03/12/2026 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226097 |  | 3158623333 |  | 36016357 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | Missing VVOE for Co-borrower completed within [Redacted]business days of Note. |  |  |  | Reviewer Comment (2026-03-16): Paystub utilized in lieu of VVOE as allowed | 03/16/2026 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226097 |  | 3158623333 |  | 36016358 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Missing VVOE for Co-borrower completed within [Redacted] business days of Note. |  |  |  | Reviewer Comment (2026-03-16): Paystub utilized in lieu of VVOE as allowed<br>Buyer Comment (2026-03-13): re that allows for a paystub<br>Buyer Comment (2026-03-13): Notes to the file state that the Processor was having issues with reaching HR , so the employment was verified alternatively with a paystub, see VVOE procedure. | 03/16/2026 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226097 |  | 3158623333 |  | 36016401 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing VVOE for Co-borrower completed within [Redacted] business days of Note. |  |  |  | Reviewer Comment (2026-03-16): Paystub utilized in lieu of VVOE as allowed | 03/16/2026 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226097 |  | 3158623333 |  | 36016409 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing VVOE for Co-borrower completed within [Redacted]business days of Note, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-03-16): Paystub utilized in lieu of VVOE as allowed | 03/16/2026 |  |  | 1 B A C |  | CO | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226097 |  | 3158623333 |  | 36016410 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing VVOE for Co-borrower completed within [Redacted] business days of Note, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-03-16): Paystub utilized in lieu of VVOE as allowed | 03/16/2026 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226097 |  | 3158623333 |  | 36016411 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE for Co-borrower completed within [Redacted] business days of Note. |  |  |  | Reviewer Comment (2026-03-16): Paystub utilized in lieu of VVOE as allowed | 03/16/2026 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226098 |  | 3158623334 |  | 35999913 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Universal Escalation Form in file for lender exception of reserves less than required by guideline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-10): Exception approved with comp factors. |  |  | 03/10/2026 | 2 B |  | NY | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226098 |  | 3158623334 |  | 36000031 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-09): Sufficient Cure Provided At Closing |  | 03/09/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226100 |  | 3158623336 |  | 36000507 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-12): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-03-11): Do Not Concur. The pricing changed on [Redacted] which increased the discount points. | 03/12/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226101 |  | 3158623337 |  | 36009023 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-19): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-03-18): Do not Concur. Customer lost the PIW on [Redacted]. Please see attached comments. LEv4 disclosed timely same day<br>Reviewer Comment (2026-03-18): [Redacted] received COC dated [Redacted], however it does not provide any additional information why the appraisal fee was added. Please provide additional information and PIW document to verify the appraisal was waived at the time of initial disclosure.<br>Buyer Comment (2026-03-16): Do Not Concur. Please see additional CIC.<br>Reviewer Comment (2026-03-16): [Redacted] received the system snippet along with a rebuttal comment indicating a change of circumstance due to a product change. However, an appraisal fee is typically the same for both products, and a product change should not impact this fee unless an appraisal waiver applies. Additionally, there is no PIW documented in the loan file to support that the appraisal was waived at the time of the initial disclosures. A product change alone would not result in the appraisal fee being added or increased. Please provide additional information explaining how the product change triggered the need to order an appraisal. If there was another reason the fee was added, we will need that supporting information.<br>Buyer Comment (2026-03-12): Do Not Concur. The appraisal fee was added when the product changed requiring an appraisal, it was disclosed timely on LE v4. | 03/19/2026 |  |  | 1 C A |  | ID | 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 |
| 225226102 |  | 3158623340 |  | 36009006 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-17): [Redacted] received valid COC document<br>Buyer Comment (2026-03-13): Do Not Concur. The customer was worked with on the pricing and rate on [Redacted] with the discount points being $[Redacted] which was disclosed timely on CD v5 on [Redacted], the points decreased after the baseline was set. | 03/17/2026 |  |  | 1 C A |  | IL | 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 |
| 225226103 |  | 3158623341 |  | 35999804 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2026-03-11): desk review received and acceptable<br>Buyer Comment (2026-03-11): Please see attached CDA. | 03/11/2026 |  |  | 1 D A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226103 |  | 3158623341 |  | 35999823 |  | 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. | Waterfall finding due to missing verification of self-employment. |  |  |  | Reviewer Comment (2026-03-12): verification of employment received | 03/12/2026 |  |  | 1 C A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226103 |  | 3158623341 |  | 35999826 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing verification of self-employment, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-03-12): verification of employment received | 03/12/2026 |  |  | 1 B A C |  | NY | Second Home | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226103 |  | 3158623341 |  | 36009001 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing third party verification of self-employment for Schedule C income used to qualify. |  |  |  | Reviewer Comment (2026-03-12): verification of employment received<br>Buyer Comment (2026-03-12): 3rd party verification [Redacted] located in file build pg [Redacted] [Redacted] | 03/12/2026 |  |  | 1 C A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226103 |  | 3158623341 |  | 36009020 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing verification of self-employment. |  |  |  | Reviewer Comment (2026-03-12): verification of employment received | 03/12/2026 |  |  | 1 C A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226103 |  | 3158623341 |  | 36013267 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing third party verification of the borrower's self-employment. |  |  |  | Reviewer Comment (2026-03-12): verification of employment received<br>Buyer Comment (2026-03-12): 3rd party verification in file build pg [Redacted] | 03/12/2026 |  |  | 1 C A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226103 |  | 3158623341 |  | 36013268 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing third party verification of self-employment for [Redacted] income used to qualify. |  |  |  | Reviewer Comment (2026-03-12): verification of employment received | 03/12/2026 |  |  | 1 C A |  | NY | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226105 |  | 3158623343 |  | 36000674 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-12): [Redacted] Received COC dated [Redacted].<br>Buyer Comment (2026-03-11): Do not Concur. Valid CICs for initial loan lock [Redacted]. LEv9 disclosed timely same day | 03/12/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226106 |  | 3158623344 |  | 35998821 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-12): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-03-11): Do not Concur. Lock expiration and valid CIC [Redacted]. CDv2 disclosed timely [Redacted] | 03/12/2026 |  |  | 1 C A |  | NY | 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 |
| 225226107 |  | 3158623348 |  | 35999661 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of HOA document. |  |  |  | Reviewer Comment (2026-03-11): REO documents received<br>Buyer Comment (2026-03-11): This is on page [Redacted] of your loan file | 03/11/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226108 |  | 3158623352 |  | 36000840 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-12): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-03-11): Do not Concur. Valid CIC for initial loan lock [Redacted]. CDv2 disclosed timely same day | 03/12/2026 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226108 |  | 3158623352 |  | 36000868 |  | 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 | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226109 |  | 3158623358 |  | 36008584 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Reinspection Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-12): [Redacted]received COC dated [Redacted].<br>Buyer Comment (2026-03-11): Do not Concur. Valid CIC for required repairs needed [Redacted] Same day [Redacted] received appraisal | 03/12/2026 |  |  | 1 C A |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226110 |  | 3158623359 |  | 36005493 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Processing fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-12): [Redacted] received valid COC document<br>Buyer Comment (2026-03-11): Do not Concur. Valid CIC for property type [Redacted]. LEv2 disclosed same day | 03/12/2026 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226111 |  | 3158623367 |  | 36000806 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-12): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2026-03-11): Do not Concur. Valid CIC for initial loan lock [Redacted]. LEv2 disclosed timely same day | 03/12/2026 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226112 |  | 3158623369 |  | 36037239 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing Tax Verification and HOA Verification for [Redacted] investment property. |  |  |  | Reviewer Comment (2026-03-19): REO documentation received<br>Buyer Comment (2026-03-19): see attached for taxes and HOI<br>Buyer Comment (2026-03-19): see attached HOI and taxes | 03/19/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226112 |  | 3158623369 |  | 36048114 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | CD issued [Redacted] (#2) missing evidence of receipt. Presumed [Redacted] delivery date would not have been at least 3 business days prior to [Redacted] consummation. |  |  |  | Buyer Comment (2026-03-20): Concur. After further research, CDv10 which issued on [Redacted] increased the APR by .[Redacted]% from [Redacted]% to [Redacted]% which is out of tolerance for a loan with a normal payment stream. The customer closed on [Redacted] which did not allow enough time for review prior to closing.<br>Reviewer Comment (2026-03-20): [Redacted] received disclosure tracking electronically. However, as previously noted, the issue relates to the [Redacted] CD, Version 11, see doc ID 639, that had a change in APR to [Redacted]% from the previous CD, also issued [Redacted], Version 9 Doc ID 0630 with APR of [Redacted]%. The Version 11 had APR change over .[Redacted]% which required borrower to be allowed a 3 business day waiting period prior to consummation. Consummation date was [Redacted] and waiting period was not met. Unable to cure a timing violation.<br>Buyer Comment (2026-03-19): Do Not Concur. Please see highlighted system snips that this is the e-viewing history for the closing disclosure only for the customer<br>Reviewer Comment (2026-03-16): Provided documentation is insufficient. Documentation does not conclusively tie an identifiable CD with an identifiable view date. With closing on [Redacted] any changes would need to be received no later than [Redacted]. The [Redacted] CD, using the 3-day mailing rule would be received timely. The [Redacted] CD shows an APR of [Redacted]%. Closing CD shows APR of [Redacted]%.<br>Reviewer Comment (2026-03-16): The revised CD in question with the APR change was issued [Redacted] which was only one day prior to closing. It was not possible for the borrower to receive it at least 3 days prior to closing as it was issued just one day prior to closing. Finding remains open.<br>Buyer Comment (2026-03-13): Do Not Concur. Please see electronic viewing history for the CD |  |  | 03/20/2026 | 3 C |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226112 |  | 3158623369 |  | 36048188 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | [Redacted] disbursement date prior to [Redacted] eligible disbursement date based on unsigned final CD issued [Redacted] with a [Redacted] presumed receipt date. |  |  |  | Reviewer Comment (2026-03-16): Received signed copy of the final CD - issue is resolved.<br>Buyer Comment (2026-03-13): Please see closing disclosure V12 signed at closing on [Redacted] with disbursement date of [Redacted] | 03/16/2026 |  |  | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226112 |  | 3158623369 |  | 36048189 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | [Redacted] RTC disclosed expiration date before [Redacted] expected expiration date based on unsigned final CD issued [Redacted] with a [Redacted] presumed receipt date. |  |  |  | Reviewer Comment (2026-03-16): Received signed copy of the final CD - issue is resolved.<br>Buyer Comment (2026-03-13): Please see closing disclosure V12 signed at closing on [Redacted] with disbursement date of [Redacted] | 03/16/2026 |  |  | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226113 |  | 3158623370 |  | 36038312 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exceptions of DTI Ratio. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-12): Exception approved with comp factors. |  |  | 03/12/2026 | 2 B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226113 |  | 3158623370 |  | 36038359 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  | Reviewer Comment (2026-03-12): Loan is SHQM(APOR) | 03/12/2026 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226113 |  | 3158623370 |  | 36038360 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted] of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted].) | Universal Escalation Form in file for lender exceptions of DTI Ratio. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-12): Exception approved with comp factors. |  |  | 03/12/2026 | 2 B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226115 |  | 3158623374 |  | 36049012 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-17): [Redacted] received a valid COC.<br>Buyer Comment (2026-03-17): Do Not Concur. The loan amount changed due to a purchase price addendum to the purchase contract that was received, a rebaselined request was put through for the transfer taxes and completed, LE v4 was issued to the customer timely. | 03/17/2026 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226116 |  | 3158623376 |  | 36063781 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |  | 03/13/2026 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226117 |  | 3158623377 |  | 36056131 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit amount was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-03-19): valid COC received and timely delivered to client<br>Buyer Comment (2026-03-18): Do Not Concur. The pricing changed on [Redacted], the lender credit was disclosed at $[Redacted] on LE v4 on [Redacted], the loan locked on [Redacted] with the already disclosed lender credits at $[Redacted], there was no need for a CD to disclose this again. The pricing can fluctuate prior to the loan being locked and that is what happened here, it was disclosed timely. Please see Pricing Discretion Approval screen snip as further evidence of when the pricing change happened.<br>Reviewer Comment (2026-03-18): [Redacted] received rebuttal comment. However, the rate was locked on [Redacted] with no lender credit but no CD disclosed to borrower within 3 business days from the date of change received. To re-baseline the fee a COC and disclosure is required. Please provide more information to validate the change or cure would be required.<br>Buyer Comment (2026-03-17): Do Not Concur. The loan locked on [Redacted], pricing can change before loan locks and the lender credits / premium pricing decreased to $[Redacted] prior to loan locking and was disclosed timely on LE v4 which issued on [Redacted]. | 03/19/2026 |  |  | 1 C A |  | DC | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226118 |  | 3158623378 |  | 36035147 |  | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date ___, Note Date ___ |  |  |  |  | Reviewer Comment (2026-03-12): flood insurance was in effect at disbursement, which is acceptable<br>Buyer Comment (2026-03-12): Flood Insurance was effective the date of disbursement of [Redacted]. | 03/12/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226118 |  | 3158623378 |  | 36035395 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the reserve shortage. |  |  |  | Reviewer Comment (2026-03-15): Received updated balance for 2 of the accounts - reserves now sufficient.<br>Buyer Comment (2026-03-13): responded to the credit exception | 03/15/2026 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226118 |  | 3158623378 |  | 36035396 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Escalation Form in file for lender exceptions of DTI Ratio. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-11): Exception approved with comp factors. |  |  | 03/11/2026 | 2 B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226118 |  | 3158623378 |  | 36035399 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-11): Sufficient Cure Provided At Closing |  | 03/11/2026 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226118 |  | 3158623378 |  | 36035407 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exceptions of DTI Ratio. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-11): Exception approved with comp factors. |  |  | 03/11/2026 | 2 B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226118 |  | 3158623378 |  | 36035408 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Additionally, guidelines require 6 months of reserves for this loan, and there are only [Redacted] months of reserves verified. |  |  |  | Reviewer Comment (2026-03-15): Received updated balance for 2 of the accounts - reserves now sufficient.<br>Buyer Comment (2026-03-13): Please use all updated balances per printouts starting on page 1919 of filebuild , along with these two updates that I could not locate<br>Buyer Comment (2026-03-13): Do not agree, [Redacted] is not using the most recent balances for almost all [Redacted] accounts, there are updated printouts starting on page 1919 of your file build in addition these two account that I attached had updated printouts that I did not see in your file build. If you update your balance, you will solve for the insufficient funds. | 03/15/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226118 |  | 3158623378 |  | 36035446 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to the reserve shortage. |  |  |  | Reviewer Comment (2026-03-15): Received updated balance for 2 of the accounts - reserves now sufficient.<br>Buyer Comment (2026-03-13): provided response to the credit side exception | 03/15/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226120 |  | 3158623382 |  | 36052620 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-12): Sufficient Cure Provided At Closing |  | 03/12/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226121 |  | 3158623385 |  | 36049234 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2026-03-20): PCCD, refund check, LOX, and proof of mailing received to cure this issue.<br>Buyer Comment (2026-03-19): Please see PCCD and Refund to the customer<br>Reviewer Comment (2026-03-18): [Redacted] received rebuttal comment as LOS snip for cure provided for [Redacted]% tolerance. However, as per lender calculation the cure was calculated based on recording fee of $[Redacted] at final includes $[Redacted] (Mortgage) and $[Redacted] (Deed). The increased amount for e-recording service and trust fee was not included for tolerance calculation. The baseline of recording fee is $[Redacted] (after adding [Redacted]%) and fee charged at final is $[Redacted]. Required cure is $[Redacted]. Cure provided at closing is $[Redacted] remaining to cure $[Redacted]. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2026-03-17): Do Not Concur. Please see that a cure was provided on the closing disclosure for the overage of recording fees that Title alerted us to update, the new fees were disclosed after title contacted us to update them. |  | 03/20/2026 |  | 2 C B |  | 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 |
| 225226122 |  | 3158623387 |  | 36034307 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection fee of $[Redacted] was added on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-17): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-03-13): Do Not Concur. Please see that the final inspection was required as subject to completion on the original appraisal. | 03/17/2026 |  |  | 1 C A |  | AL | 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 |
| 225226122 |  | 3158623387 |  | 36034334 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception of [Redacted] decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-12): Exception approved with comp factors. |  |  | 03/12/2026 | 2 B |  | AL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226124 |  | 3158623390 |  | 36051792 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2026-03-12): Sufficient Cure Provided At Closing |  | 03/12/2026 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226125 |  | 3158623391 |  | 36052296 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal sent on [Redacted]. Default receipt date is [Redacted], which is less than 3 business days prior to Note date ([Redacted]). Neither compliant borrower's acknowledgment of receipt nor waiver of delivery timing requirements provided. |  |  |  | Reviewer Comment (2026-03-18): Received evidence of receipt - issue resolved.<br>Buyer Comment (2026-03-17): Do Not Concur. Please see the snip of electronic receipt of the appraisal by the customer. | 03/18/2026 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226125 |  | 3158623391 |  | 36052301 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Total [Redacted]% tolerance fees disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase(s) and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2026-03-19): valid COC received and timely delivered to client<br>Buyer Comment (2026-03-19): Do Not Concur. The loan Amount changed on [Redacted] and the fees changed on CD v1 which issued timely on [Redacted]. | 03/19/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226125 |  | 3158623391 |  | 36052302 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of the new fee, and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2026-03-19): valid COC received and timely delivered to client<br>Buyer Comment (2026-03-19): Do Not Concur. The loan locked rate locked on [Redacted], the discount points changed several times prior to the loan locking which is allowed, please see lock history screen snip and LE snip. | 03/19/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226125 |  | 3158623391 |  | 36052303 |  | Compliance | 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 - Tax Certificate Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Tax Certification Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of the new fee, and no evidence of tolerance cure is provided. Because the fee was initially disclosed in Section B, it is a [Redacted]% tolerance fee. |  |  |  | Reviewer Comment (2026-03-19): valid COC received and timely delivered to client<br>Buyer Comment (2026-03-19): Do Not Concur. There were loan changes with the appraised value that changed fees. | 03/19/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226125 |  | 3158623391 |  | 36062533 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. |  | The final CD was issued on [Redacted], however, the date the borrower signed the document is [Redacted]. |  |  |  | Reviewer Comment (2026-03-19): final CD with correct signature date received<br>Buyer Comment (2026-03-19): Do Not Concur. Please see final CD with the corrected singing date of [Redacted] | 03/19/2026 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226128 |  | 3158623395 |  | 36051974 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Dec page for the HOI coverage is missing from the file. |  |  |  | Reviewer Comment (2026-03-19): HOI coverage is sufficient<br>Buyer Comment (2026-03-19): Please reference page [Redacted] in Hazard Insurance [Redacted] section [Redacted]<br>Reviewer Comment (2026-03-18): Using the coverage from the screen shots of $[Redacted] would not be sufficient coverage and I am unable to determine the policy has guaranteed replacement cost as it is not apparent on the screens. Please provide direction as to where this is evident for further review. Thank you.<br>Buyer Comment (2026-03-18): Loan is a [Redacted] to [Redacted] refinance per procedures [Redacted] screenshots are acceptable- Please reference pages [Redacted]-[Redacted]; screenshots also reflect replacement cost. | 03/19/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226128 |  | 3158623395 |  | 36052029 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the missing income docs for borrower's secondary employment. |  |  |  | Reviewer Comment (2026-03-20): verification of pay, along with lender exception in file acceptable<br>Buyer Comment (2026-03-20): docs and LOX provided | 03/20/2026 |  |  | 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 |
| 225226128 |  | 3158623395 |  | 36052030 |  | 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. | Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. |  |  |  | Reviewer Comment (2026-03-20): verification of pay, along with lender exception in file acceptable<br>Buyer Comment (2026-03-20): docs and lox provided | 03/20/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226128 |  | 3158623395 |  | 36072228 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Dec page for the HOI coverage is missing from the file. |  |  |  | Reviewer Comment (2026-03-19): HOI coverage in file is sufficient<br>Buyer Comment (2026-03-19): Loan is a [Redacted] to [Redacted] refinance per procedures MSP screenshots are acceptable. Please reference pages [Redacted]; RCC is on page [Redacted] as Yes in Hazard Flag Maintenance section. | 03/19/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226128 |  | 3158623395 |  | 36072370 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing documentation for the borrower's secondary employment. |  |  |  | Reviewer Comment (2026-03-20): verification of pay, along with lender exception in file acceptable<br>Buyer Comment (2026-03-20): docs and lox provided | 03/20/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226128 |  | 3158623395 |  | 36072388 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Unable to verify borrower's secondary income due to missing W2, paystub or WVOE |  |  |  | Reviewer Comment (2026-03-20): verification of pay, along with lender exception in file acceptable<br>Buyer Comment (2026-03-20): Customer [Redacted] employment is a [Redacted] , there are no W'2's, there is a stub on page [Redacted] of file build as well as direct deposits from the [Redacted] on bank statements on page 1636 of the file buld. In addition, please find the Fellowship contract and Exception to allow for the income<br>Buyer Comment (2026-03-20): Customer [Redacted] employment is a [Redacted] , there are no W'2's, there is a stub on page [Redacted] of file build as well as direct deposits from the [Redacted] on bank statements on page 1636 of the file buld. In addition, please find the [Redacted] contract and Exception to allow for the income | 03/20/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226128 |  | 3158623395 |  | 36072499 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to the missing documentation for the borrower's secondary employment. |  |  |  | Reviewer Comment (2026-03-20): verification of pay, along with lender exception in file acceptable<br>Buyer Comment (2026-03-20): docs and lox provided | 03/20/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226130 |  | 3158623397 |  | 36066562 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Missing subject property Hazard Insurance documentation. |  |  |  | Reviewer Comment (2026-03-18): Received<br>Buyer Comment (2026-03-18): [Redacted] is a [Redacted] to [Redacted] refinance' per procedures able to utilize [Redacted] screenshots. Please reference pages [Redacted]-[Redacted]. | 03/18/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226131 |  | 3158623400 |  | 36021086 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2026-03-12): desk review recieved and acceptable<br>Buyer Comment (2026-03-12): Please see attached CDA. | 03/12/2026 |  |  | 1 D A |  | NJ | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226131 |  | 3158623400 |  | 36021392 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing [Redacted] is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-03-17): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2026-03-13): [Redacted]: Cure provided at closing is insufficient to cure for all the citing [Redacted]% and [Redacted]% exception. We will clear the exception once we received resolution on the [Redacted]% tolerance citing. Exception remains.<br>Buyer Comment (2026-03-12): Do not Concur. Section E tolerance violation was already cured at closing | 03/17/2026 |  |  | 1 C A |  | NJ | 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 |
| 225226131 |  | 3158623400 |  | 36021393 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Processing fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing [Redacted] is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-03-17): [Redacted] received a valid COC.<br>Buyer Comment (2026-03-17): Do not Concur. [Redacted] received the updated sales contract [Redacted]. This property type changed into a condo and disclosed timely on LEv4<br>Reviewer Comment (2026-03-17): [Redacted] received snips for change in property type for adding project processing fee but from the snip we are unable to identify the borrower/property or loan information. Please provide complete snip to verify the COC is for current loan.<br>Buyer Comment (2026-03-13): Please see attached. Property type changed from a single family to a condo [Redacted]<br>Reviewer Comment (2026-03-13): [Redacted] received system snip indicates that property type. but it does not give sufficient information on what impacts in property that required to increase the processing fee. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2026-03-12): Do not Concur. Valid CIC for property type change [Redacted]. LEv4 disclosed timely same day | 03/17/2026 |  |  | 1 C A |  | NJ | 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 |
| 225226131 |  | 3158623400 |  | 36039296 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception collateral issue due to outstanding repairs. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-11): Exception approved with comp factors. |  |  | 03/11/2026 | 2 B |  | NJ | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226131 |  | 3158623400 |  | 36086456 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-17): Sufficient Cure Provided At Closing |  | 03/17/2026 |  | 1 A |  | NJ | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226132 |  | 3158623401 |  | 36036586 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-18): [Redacted] received a valid COC.<br>Buyer Comment (2026-03-17): Please see update CIC system snip<br>Reviewer Comment (2026-03-17): [Redacted] received snip of COC with reason for increasing the loan discount points but from the snip we are unable to identify the borrower/property/loan information. Please provide complete snip to identify the COC is for current loan file.<br>Buyer Comment (2026-03-13): The loan initially locked on [Redacted] and that is when the discount points increased to $[Redacted] on LE v2 | 03/18/2026 |  |  | 1 C A |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226133 |  | 3158623402 |  | 36052395 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Documentation indicates appraisal was sent [Redacted]; however, there is no documentation of receipt and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-03-18): Resolved<br>Buyer Comment (2026-03-16): Do not Concur. Appraisal sent via [Redacted] | 03/18/2026 |  |  | 1 B A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226133 |  | 3158623402 |  | 36052397 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-19): valid COC received and timely delivered to client<br>Buyer Comment (2026-03-18): Do not Concur. [Redacted] received the appraisal [Redacted]. Property type CIC is valid for increase in transfer taxes. The taxes actually decreased at closing also.<br>Reviewer Comment (2026-03-18): [Redacted] received COC dated [Redacted] for change in property type for adding transfer tax of $[Redacted] however, the reason provided is not valid for adding the transfer tax. It seems the WA foreclosure Prevention fee was added later on the CD. If so cure would be required.<br>Buyer Comment (2026-03-16): Do not Concur. Valid CIC for property type change [Redacted]. CDv2 disclosed timely same day. Transfer taxes decreased at closing | 03/19/2026 |  |  | 1 C A |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226134 |  | 3158623403 |  | 36064661 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank [Redacted]): List of Homeownership Counseling Organizations not provided to applicant within three [Redacted] business days of application. | List of Homeownership Counseling Organizations not provided to applicant within three business days of application. List in file is dated [Redacted]. |  |  |  | Reviewer Comment (2026-03-18): Received evidence of earlier dated disclosure.<br>Buyer Comment (2026-03-16): Do not concur. The HOC was sent in the application package via [Redacted] [Redacted] | 03/18/2026 |  |  | 1 B A |  | WA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226135 |  | 3158623406 |  | 36064338 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Dec page for HOI coverage was missing from the loan file. |  |  |  | Reviewer Comment (2026-03-18): Received<br>Buyer Comment (2026-03-18): Loan is a [Redacted] to [Redacted] refinance per procedures able to utilize [Redacted] screenshots. Please reference pages [Redacted]-[Redacted]. | 03/18/2026 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226135 |  | 3158623406 |  | 36064402 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal fee of $[Redacted] added on LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-18): [Redacted] Received COC dated [Redacted].<br>Buyer Comment (2026-03-16): Do not Concur. Valid CICs for appraisal waiver opt out [Redacted]. LEv2 disclosed timely same day | 03/18/2026 |  |  | 1 C A |  | IN | 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 |
| 225226137 |  | 3158623409 |  | 36058723 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The amount of Lender Credit changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-19): valid COC received and timely delivered to client<br>Buyer Comment (2026-03-18): Do Not Concur. The lender credits were premium pricing, the product changed on [Redacted] along with pricing change which changed the lender credits, this was disclosed timely on LE v4 on [Redacted] | 03/19/2026 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226138 |  | 3158623410 |  | 36052131 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Discount Points fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-19): valid COC received and timely delivered to client<br>Buyer Comment (2026-03-18): Do not Concur. Lock expiration and CIC for loan points [Redacted]. CDv7 disclosed timely | 03/19/2026 |  |  | 1 C A |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226138 |  | 3158623410 |  | 36052132 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-19): valid COC received and timely delivered to client<br>Buyer Comment (2026-03-18): Do not Concur. Valid CIC for appraisal [Redacted]. See attached complexity comments. LEv3 sent timely same day | 03/19/2026 |  |  | 1 C A |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226139 |  | 3158623411 |  | 36038972 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received additional information on services performed on fee<br>Buyer Comment (2026-03-13): Do not Concur. See attached lox from title. [Redacted] is including the section H-Tax analysis $[Redacted] fee as a prepaid and this fee should not be included in the calculations | 03/16/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226139 |  | 3158623411 |  | 36038973 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received additional information on services performed on fee<br>Buyer Comment (2026-03-13): Do not Concur. See attached lox from title. [Redacted] is including the section H-Tax analysis $[Redacted] fee as a prepaid and this fee should not be included in the calculations | 03/16/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226139 |  | 3158623411 |  | 36038974 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure issued [Redacted] missing evidence of receipt and the presumed receipt date would not have been at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received disclosure tracking for initial CD.<br>Buyer Comment (2026-03-13): Do not Concur. Initial CD sent via [Redacted] [Redacted] | 03/16/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226139 |  | 3158623411 |  | 36038976 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Discount Points fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing [Redacted] is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] the fee increased since the rate was not locked and it is acceptable.<br>Buyer Comment (2026-03-13): Do not Concur. Initial loan lock [Redacted]. CDv1 disclosed same day | 03/16/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226139 |  | 3158623411 |  | 36038977 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]0 over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection fee of $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing [Redacted] is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received a valid COC.<br>Buyer Comment (2026-03-13): Do not Concur. [Redacted] received the appraisal/invoice and valid CIC [Redacted] for required final inspection. LEv4 disclosed timely same day | 03/16/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226140 |  | 3158623412 |  | 36048273 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three [Redacted] business days prior to consummation. | Borrower receipt of Closing Disclosure dated [Redacted] was not provided in the file and the presumed receipt date would not have been at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-03-17): [Redacted] received proof of earlier electronic receipt<br>Buyer Comment (2026-03-16): Do not Concur. Revised CD sent via [Redacted] [Redacted] | 03/17/2026 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226141 |  | 3158623415 |  | 36059218 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on 01/05/2026 contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | No documentation in file to evidence receipt of the revised CD and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-03-20): Upon further review the timing is acceptable.<br>Reviewer Comment (2026-03-20): Under 1026.19(f)(2)(ii), if the annual percentage rate disclosed under 1026.38(o)(4) becomes inaccurate, as defined in 1026.22, a new 3-day waiting period is required and the creditor must ensure that the consumer receives the corrected disclosures at least 3 business days prior to consummation. The CFPB clarifies this point further, specific to APR decreases, in Question #2 of its published FAQS (FAQs published in 2019 to clarify and further expand on the broad notation in the 2018 Small Entity Compliance guide indicating APR decreases do not trigger an additional 3-day waiting period. A disclosed APR is accurate under Regulation Z if the difference between the disclosed APR and the actual APR for the loan is within an applicable tolerance in Regulation Z, 12 CFR § 1026.22(a). For transactions secured by real property or a dwelling, Regulation Z includes several tolerances that might apply, including a tolerance whereby the disclosed APR is considered accurate if it results from the disclosed finance charge being overstated. See 12 CFR § 1026.22(a)(4).<br>Buyer Comment (2026-03-19): Do not Concur. The APR decreased and the finance charge decreased. A new waiting period was not required.<br>Reviewer Comment (2026-03-19): APR changes of more than .[Redacted]% must be received by borrower 3 or more days prior to closing. Closing took place on [Redacted] and APR dropped by .[Redacted]% on [Redacted]. No visible means of cure.<br>Buyer Comment (2026-03-18): Do not concur. Cd was sent via DocMagic [Redacted] | 03/20/2026 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226141 |  | 3158623415 |  | 36059219 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The amount of Lender Credit changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-19): valid COC received and timely delivered to client<br>Buyer Comment (2026-03-19): Do not Concur. There was a Pricing Exception Advised by UW that it was needed to switch to non-agency for exception to use future employment for B2. PE completed for pricing difference on LE and pricing for non-agency product. Please see PE approval email chain along with screen shots for Pricing Exception. Affordable credit fell off on CDv3 on [Redacted]. CDv3 the Lender credit decreased and the loan points increased $[Redacted]. A pricing exception was requested and approved same day in the amount of $[Redacted]. Points decreased to $[Redacted]. The difference equals the amount of the PE $[Redacted]. No cure required since the PE was already given. | 03/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226143 |  | 3158623418 |  | 36036649 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credit changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received a valid COC.<br>Buyer Comment (2026-03-13): Do not Concur. Loan was not locked on [Redacted]. Premium pricing and loan points can float. Valid CIC for initial loan lock [Redacted]. LEv4 disclosed timely same day | 03/16/2026 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226143 |  | 3158623418 |  | 36036651 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received a valid COC.<br>Buyer Comment (2026-03-13): Do not Concur. Valid CIC for initial loan lock [Redacted]. LEv4 disclosed timely same day | 03/16/2026 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226145 |  | 3158623420 |  | 36017484 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted] of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception of DTI exceeding the guideline maximum of [Redacted]%. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-12): Exception approved with comp factors. |  |  | 03/12/2026 | 2 B |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226145 |  | 3158623420 |  | 36017498 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credit changed to $[Redacted]on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-17): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-03-13): Do not concur. Valid CIC on [Redacted] for product change decreased the affordable credit. LEv2 disclosed timely [Redacted] | 03/17/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226145 |  | 3158623420 |  | 36017505 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception of DTI exceeding the guideline maximum of [Redacted]%. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-12): Exception approved with comp factors. |  |  | 03/12/2026 | 2 B |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226146 |  | 3158623423 |  | 36017582 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-13): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-03-12): Do not Concur. Valid CICs for loan points and interest rate [Redacted]. Cdv3 disclosed timely same day | 03/13/2026 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226147 |  | 3158623428 |  | 36014925 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-13): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-03-12): Do not Concur. Valid CICs for loan interest rate and loan points [Redacted]. This decreased premium pricing and increased points to $[Redacted] | 03/13/2026 |  |  | 1 C A |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226147 |  | 3158623428 |  | 36014928 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-13): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-03-12): Do not Concur. Valid CICs for loan interest rate and loan points [Redacted]. This increased points to $[Redacted]. Points decreased at closing | 03/13/2026 |  |  | 1 C A |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226152 |  | 3158623435 |  | 36034074 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-17): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-03-16): Do not Concur. Valid CICS for the affordable credit to fall off [Redacted]. CDv2 disclosed timely same day<br>Reviewer Comment (2026-03-16): [Redacted] received COC dated [Redacted]. But from the document we are unable to identify the borrower/loan information. Please provide detailed snip to verify the COC is for current loan.<br>Buyer Comment (2026-03-12): Do not Concur. Valid CICS for the affordable credit to fall off [Redacted]. CDv2 disclosed timely same day | 03/17/2026 |  |  | 1 C A |  | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226153 |  | 3158623441 |  | 36035284 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-17): [Redacted] received system snip with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-03-13): Do not Concur. Initial loan lock [Redacted]. LEv2 disclosed timely | 03/17/2026 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226154 |  | 3158623446 |  | 36017165 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-19): valid COC received and timely delivered to client<br>Buyer Comment (2026-03-18): Please see Valid Lock expiration and CIC [Redacted]<br>Reviewer Comment (2026-03-17): [Redacted] received COC dated [Redacted]. The fee increased on CD dated [Redacted] for $[Redacted]. Kindly provide a valid COC for the fee increased on CD dated [Redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2026-03-17): Do not Concur. Valid CICs for change in lock, commitment period, and loan interest rate [Redacted]. CDv6 disclosed timely next day<br>Reviewer Comment (2026-03-16): [Redacted] received copy of the system snip lieu of valid COC dated [Redacted]. However, in order to re-baseline this exception [Redacted] also required valid COC for the fee increase of $[Redacted] from $[Redacted] on CD dated [Redacted].<br>Buyer Comment (2026-03-12): Do not Concur. Valid CICs for change in lock, commitment period, and loan interest rate [Redacted]. CDv6 disclosed timely next day | 03/19/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226154 |  | 3158623446 |  | 36017295 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations disclosure dated [Redacted] was not provided to the borrowers within three (3) business days of application. |  |  |  | Reviewer Comment (2026-03-16): Revised application date based on information provided and issue is resolved.<br>Buyer Comment (2026-03-13): Do not Concur. Application achieve date was [Redacted]. ITP received [Redacted]. Home Loan counseling sent within 3 days on [Redacted] | 03/16/2026 |  |  | 1 B A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226154 |  | 3158623446 |  | 36037370 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-03-12): Do not Concur. Valid CIC [Redacted]. Appraisal was expiring. Appraisal recert occurred. CDv5 disclosed timely same day | 03/16/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226155 |  | 3158623448 |  | 36034978 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-18): [Redacted] received COC snip with borrower information.<br>Buyer Comment (2026-03-16): Do not concur. Lock expiration and CIC for loan points [Redacted]. CDv3 disclosed higher points of $[Redacted] timely same day. Points decreased at closing<br>Reviewer Comment (2026-03-16): [Redacted] received COC dated [Redacted]. But from the document we are unable to identify the borrower/loan information. Please provide detailed snip to verify the COC is for current loan.<br>Reviewer Comment (2026-03-16): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-03-12): Do not concur. Lock expiration and CIC for loan points [Redacted]. CDv3 disclosed higher points of $[Redacted] timely same day. Points decreased at closing | 03/18/2026 |  |  | 1 C A |  | NY | 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 |
| 225226156 |  | 3158623450 |  | 36030083 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the points/fees failure. |  |  |  | Reviewer Comment (2026-03-17): Received undiscounted rate pricing and points/fees issue is resolved.<br>Buyer Comment (2026-03-17): Please see attached Undiscounted mx screens and reg testing | 03/17/2026 |  |  | 1 B A C |  | NY | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226156 |  | 3158623450 |  | 36030085 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Processing fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-03-19): valid COC documentation received<br>Buyer Comment (2026-03-19): Do not Concur. Valid CIC for loan turning into a CEMA for the benefit of the customer [Redacted]. CDv7 disclosed timely. Also attached CEMA docs<br>Reviewer Comment (2026-03-19): [Redacted] received rebuttal, however we require valid COC for CEM processing fee of $[Redacted] which was added on CD dated [Redacted]. A valid COC with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-03-17): Do not Concur. The project processing fee disclosed on the initial LE as $[Redacted]. The fee increased by $[Redacted] but this amount was cured at closing already<br>Reviewer Comment (2026-03-17): [Redacted] received rebuttal comment that cure was provided for increased Project processing fee but as per CDs in file the CEM Processing fee of $[Redacted] was added on CD dated [Redacted] without any valid COC. Please provide a VCC or total cure of $[Redacted] would be required for processing fee.<br>Buyer Comment (2026-03-13): Do not Concur. The project processing fee disclosed on the initial LE as $[Redacted]. The fee increased by $[Redacted] but this amount was cured at closing already | 03/19/2026 |  |  | 1 C A |  | NY | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226156 |  | 3158623450 |  | 36030086 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Review fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-03-19): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2026-03-17): Do not Concur. Appraisal was expiring and being re-used. Valid CIC [Redacted] and CDv4 disclosed timely same day<br>Reviewer Comment (2026-03-17): [Redacted] received snips of COC with reason for adding the review fee but from the snips we are unable to identify the borrower/property/loan information. Please provide complete snip to identify the COC is for current loan file.<br>Buyer Comment (2026-03-13): Do not Concur. Appraisal was expiring and being re-used. Valid CIC [Redacted] and CDv4 disclosed timely same day | 03/19/2026 |  |  | 1 C A |  | NY | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226156 |  | 3158623450 |  | 36030124 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exceptions of PAG decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-12): Exception approved with comp factors. |  |  | 03/12/2026 | 2 B |  | NY | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226156 |  | 3158623450 |  | 36045455 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. |  |  |  | Reviewer Comment (2026-03-17): Received undiscounted rate pricing and points/fees issue is resolved.<br>Buyer Comment (2026-03-13): Please see attached Undiscounted mx screens and reg testing | 03/17/2026 |  |  | 1 C A |  | NY | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226157 |  | 3158623451 |  | 36036203 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-11): Sufficient Cure Provided At Closing |  | 03/11/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226158 |  | 3158623453 |  | 36035105 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Recording Fee was disclosed as $[Redacted] on the initial Loan Estimate but was disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2026-03-20): PCCD, LOX, refund check, and proof of mailing received to cure this tolerance issue.<br>Buyer Comment (2026-03-19): Please see attached PCCD package |  | 03/20/2026 |  | 2 C B |  | 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 |
| 225226158 |  | 3158623453 |  | 36035106 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of the new fee, and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2026-03-18): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-03-16): Do not Concur. Lock expiration and CIC for loan points [Redacted]. CDv19 disclosed timely [Redacted]<br>Reviewer Comment (2026-03-16): [Redacted] received COC snips but as per document we are unable to identify the borrower or loan information to verify if this is for the current file. Please provide more detailed snip of LOE for confirmation.<br>Buyer Comment (2026-03-12): Do not Concur. Lock expiration and CIC for loan points [Redacted]. CDv19 disclosed timely [Redacted] | 03/18/2026 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226160 |  | 3158623455 |  | 36035946 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2026-03-19): final 1003 received<br>Buyer Comment (2026-03-19): Final 1003 provided | 03/19/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226160 |  | 3158623455 |  | 36035978 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-11): Sufficient Cure Provided At Closing |  | 03/11/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226164 |  | 3158623464 |  | 36034110 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of the new fee, and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received a valid COC.<br>Buyer Comment (2026-03-12): Do not Concur. Lock expiration and CIC for loan points [Redacted]. CDv2 disclosed timely same day with points at $[Redacted]. Points decreased at closing | 03/16/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226165 |  | 3158623465 |  | 36050890 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in loan file to evidence delivery of the primary appraisal to the borrowers at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-03-16): Email evidencing receipt in file - issue resolved.<br>Buyer Comment (2026-03-16): Do Not Concur - Email in file [Redacted] | 03/16/2026 |  |  | 1 B A |  | NC | Second Home | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226165 |  | 3158623465 |  | 36050891 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in loan file to evidence delivery of the secondary appraisal to the borrowers at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-03-19): appraisal delivery to borrower in file is acceptable<br>Buyer Comment (2026-03-17): Do Not Concur - 2nd appraisal appears to be for lender purpose only and was not charged to borrower<br>Buyer Comment (2026-03-17): Do Not Concur - proof of receipt of all forms of valuation is not required<br>Reviewer Comment (2026-03-16): This finding is in relation to the 2nd appraisal obtained dated [Redacted]. The email sending appraisal to the borrower is dated [Redacted] and would only apply to the earlier dated appraisal. Finding remains open as documentation of delivery of 2nd appraisal is still needed.<br>Buyer Comment (2026-03-16): waiver in file and email receipt [Redacted] in file | 03/19/2026 |  |  | 1 B A |  | NC | Second Home | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226165 |  | 3158623465 |  | 36051883 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2026-03-16): Coverage is sufficient.<br>Buyer Comment (2026-03-16): Do Not Concur - $[Redacted] includes garage/carport - Other Structure coverage $[Redacted] would be included in HOI coverage total ($[Redacted]+ $[Redacted] +extended $[Redacted] = $[Redacted]<br>Buyer Comment (2026-03-16): Do not concur. The appraisal estimated cost new is $[Redacted] for the dwelling and $[Redacted] for the garage/carport totaling $[Redacted]. The insurance has additional other structures coverage of $[Redacted] for the garage/carport. Therefore, the total coverage is sufficient. | 03/16/2026 |  |  | 1 C A |  | NC | Second Home | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226166 |  | 3158623466 |  | 36063950 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2026-03-24): HOI coverage is sufficient<br>Buyer Comment (2026-03-24): Please see email from insurance agent (D0997). The kitchen upgrades (appliances) on appraisal cost approach would be covered by personal property for sufficient coverage. | 03/24/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | D B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226166 |  | 3158623466 |  | 36064010 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note Date: ___; Lien Position: ___ | File is missing an appraisal dated prior to the [Redacted] Note date. |  |  |  | Reviewer Comment (2026-03-24): Construction loan appraisal needed for securitization review purposes.<br>Buyer Comment (2026-03-23): The appraisal request was escalated on our end. Could it please be revisited? The [Redacted] Note date secured lender site financing and commencement of construction. The[Redacted]end loan construction to perm financing modification is dated [Redacted] which is supported by the [Redacted] appraisal and [Redacted] completion cert in file. There are no additional appraisal requirements in[Redacted]guides.<br>Reviewer Comment (2026-03-23): Final CD from[Redacted] shows the borrower paid for an appraisal before closing. We need a copy of this appraisal.<br>Reviewer Comment (2026-03-23): This file was escalated last week and information was provided to [Redacted]. via email communication.<br>Buyer Comment (2026-03-23): Please Review and escalate - site purchased [Redacted] - (see construction agreement D0853) an appraisal would not be completed prior to build- appraisal completed upon completion of construction during modification of loan (Note loan modification effective date [Redacted] appraisal in file dated [Redacted])<br>Reviewer Comment (2026-03-23): we need the appraisal dated from prior to the original Note date in [Redacted].<br>Buyer Comment (2026-03-23): Please review again Const. To Perm - Loan Mod in file |  |  |  | 3 D |  | FL | Primary | Refinance - Rate/Term | D B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226166 |  | 3158623466 |  | 36064235 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The file does not contain an appraisal dated prior to the [Redacted] Note date. |  |  |  |  |  |  |  | 3 D |  | FL | Primary | Refinance - Rate/Term | D B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226166 |  | 3158623466 |  | 36064271 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The file does not contain an appraisal dated prior to the [Redacted] Note date. |  |  |  | Reviewer Comment (2026-03-24): post-note date appraisal confirms property not affected by disaster<br>Buyer Comment (2026-03-23): Do Not Concur - Appraisal completion doc ID D1239 confirms property acceptable [Redacted] | 03/24/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | D B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226166 |  | 3158623466 |  | 36064577 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. | The final CD indicated on page 1 and 4 there would be escrows; however, page 2 did not reflect escrows being set up. |  |  |  | Reviewer Comment (2026-03-20): Final CD page 1 reflects taxes and insurance in escrow, but loan file indicates an Escrow Waiver, see do ID 1089, dated [Redacted] closing. An IEAD was located but is dated after this transaction date. Additionally Page 4 of Final CD has "Escrow Account" marked & no property costs have been reflected. Corrected CD & LOE to borrower required. |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226166 |  | 3158623466 |  | 36064578 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] disclosed a Principal and Interest Payment that does not match the actual payment for the loan. |  |  |  |  | Reviewer Comment (2026-03-20): Final CD Page 1 disclosed Monthly principal & Interest of $9462.84. However, on Construction Perm P&I minimum when initial construction phase P&I is based on interest only on advanced amount. P&I minimum is calculated at half the minimum. Corrected CD and LOE to borrower that would correct the minimum P&I calculation per the construction permanent loan addendum to note which states that interest only payments due on advanced amount only and is calculated at half the minimum P&I or $4731.42. This would relate to Monthly P&I as well as Year 1 payment stream 1 and total payment calculations. |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226166 |  | 3158623466 |  | 36064598 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction-Permanent | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on [Redacted] disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. | Adjustable Payment Table: Final Closing Disclosure provided on [Redacted] disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan |  |  |  | Reviewer Comment (2026-03-20): Construction period based on Amount Advanced per construction agreement, payment will adjust "every month", as amount advanced can/may vary from month to month. Adjusts every month starting in month 1, not year 2. Corrected CD & LOE to borrower to cure. |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226166 |  | 3158623466 |  | 36064600 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on [Redacted] disclosed a Subsequent Changes period that does not match the actual terms for the loan. | Adjustable Payment Table: Final Closing Disclosure provided on [Redacted] disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  |  |  | Reviewer Comment (2026-03-20): Construction period based on Amount Advanced per construction agreement, payment will adjust "every month", as amount advanced can/may vary from month to month. Adjusts every month starting in month 1, not in year 2. Lender can either disclose the interest only payment on [Redacted] of loan amount or can leave first change payment blank since it would be unknown. Subsequent change will be every month. Corrected CD & LOE to borrower to cure. |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226166 |  | 3158623466 |  | 36064601 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. | Final Closing Disclosure provided on [Redacted] with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  |  |  | Reviewer Comment (2026-03-20): Construction period based on Amount Advanced per construction agreement, payment will adjust "every month", as amount advanced can/may vary from month to month. Adjusts every month starting in month 1, not in year 2. Corrected CD & LOE to borrower to cure. |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226166 |  | 3158623466 |  | 36064602 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] with an increasing payment did not disclose the frequency of adjustments. | Final Closing Disclosure provided on [Redacted] with an increasing payment did not disclose the frequency of adjustments |  |  |  | Reviewer Comment (2026-03-20): Construction period based on Amount Advanced per construction agreement, payment will adjust "every month", as amount advanced can/may vary from month to month. Adjusts every month starting in month 1, not in year 2. Corrected CD & LOE to borrower to cure. |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226166 |  | 3158623466 |  | 36064605 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan |  |  |  | Reviewer Comment (2026-03-20): Final CD Page 1 disclosed Monthly principal & Interest of $[Redacted]. However, on Construction Perm P&I minimum when initial construction phase P&I is based on interest only on advanced amount. P&I minimum is calculated at half the minimum. Corrected CD and LOE to borrower that would correct the minimum P&I calculation per the construction permanent loan addendum to note which states that interest only payments due on advanced amount only and is calculated at half the minimum P&I or $[Redacted]. This would relate to Monthly P&I as well as Year 1 payment stream 1 and total payment calculations. |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226166 |  | 3158623466 |  | 36064606 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether property taxes are included in escrow. | The final CD indicated on page 1 and 4 there would be escrows; however, page 2 did not reflect escrows being set up. |  |  |  | Reviewer Comment (2026-03-20): Final CD page 1 reflects taxes and insurance in escrow, but loan file indicates an Escrow Waiver, see do ID 1089, dated [Redacted] closing. An IEAD was located but is dated after this transaction date. Additionally Page 4 of Final CD has "Escrow Account" marked & no property costs have been reflected. Corrected CD & LOE to borrower required. |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226166 |  | 3158623466 |  | 36064607 |  | 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 [Redacted] incorrectly disclosed whether the loan will have an escrow account. | The final CD indicated on page 1 and 4 there would be escrows; however, page 2 did not reflect escrows being set up. Additionally, on page 4 of the CD boxes for will have an escrow and for will not have escrows were both checked. |  |  |  | Reviewer Comment (2026-03-20): Final CD page 1 reflects taxes and insurance in escrow, but loan file indicates an Escrow Waiver, see do ID 1089, dated [Redacted] closing. An IEAD was located but is dated after this transaction date. Additionally Page 4 of Final CD has "Escrow Account" marked & no property costs have been reflected. Corrected CD & LOE to borrower required. |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226166 |  | 3158623466 |  | 36064608 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | The final CD indicated on page 1 and 4 there would be escrows; however, page 2 did not reflect escrows being set up. Additionally, on page 4 of the CD boxes for will have an escrow and for will not have escrows were both checked. |  |  |  | Reviewer Comment (2026-03-20): Final CD page 1 reflects taxes and insurance in escrow, but loan file indicates an Escrow Waiver, see do ID 1089, dated [Redacted] closing. An IEAD was located but is dated after this transaction date. Additionally Page 4 of Final CD has "Escrow Account" marked & no property costs have been reflected. Corrected CD & LOE to borrower required. |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226166 |  | 3158623466 |  | 36064609 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No documentation in file to evidence borrower receipt of the initial CD and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-03-20): consummation date [Redacted]. Initial CD in file issued [Redacted] with no proof of earlier receipt so mailbox rule in effect with receipt date of [Redacted]. initial CD was not provided at least 3 business days prior to consummation. |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | No Defined Cure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226168 |  | 3158623471 |  | 36030331 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception of the use of unseasoned rental income from non-subject property. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-11): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 03/11/2026 | 2 B |  | IL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226170 |  | 3158623476 |  | 36044582 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] ([Redacted] business days prior to consummation. | No documentation in the loan file to evidence appraisal delivery to the borrower at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-03-16): Prior purchase appraisal used dated prior to app date and no charge to borrower - no proof of delivery required.<br>Buyer Comment (2026-03-13): Do Not Concur - proof of appraisal receipt is not required for this loan - new appraisal was not completed for this loan (old appraisal was used) | 03/16/2026 |  |  | 1 B A |  | GA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226170 |  | 3158623476 |  | 36044624 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Verification(s) of employment is not within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2026-03-19): employment verification received<br>Buyer Comment (2026-03-17): please review VOE | 03/19/2026 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226170 |  | 3158623476 |  | 36049350 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing a VVOE for the borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2026-03-19): employment verification received | 03/19/2026 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226170 |  | 3158623476 |  | 36049360 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing VVOE for the borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2026-03-19): verification of employment received | 03/19/2026 |  |  | 1 B A C |  | GA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226170 |  | 3158623476 |  | 36049361 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing VVOE for the borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2026-03-19): verification of employment received | 03/19/2026 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226170 |  | 3158623476 |  | 36049362 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE for the borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2026-03-19): verification of employment received | 03/19/2026 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226172 |  | 3158623480 |  | 36057131 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Neither evidence of delivery of final appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2026-03-19): proof of appraisal delivery received<br>Buyer Comment (2026-03-17): DO Not Concur - please escalate - additional proof of updated valuations not required -<br>Reviewer Comment (2026-03-16): The document referenced ([Redacted]) is for an appraisal sent on [Redacted]; however, the one missing evidence of delivery to the borrower is the updated one dated [Redacted]. Finding remains open.<br>Buyer Comment (2026-03-16): Do Not Concur - Please review [Redacted] | 03/19/2026 |  |  | 1 B A |  | MD | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226174 |  | 3158623482 |  | 36057305 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No cure nor COC provided. |  |  |  | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |  | 03/13/2026 |  | 1 A |  | NC | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226175 |  | 3158623483 |  | 36065678 |  | Compliance | 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 $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Verification fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-25): valid COC received<br>Buyer Comment (2026-03-25): Please review COC/LOE<br>Reviewer Comment (2026-03-19): [Redacted] received rebuttal. The COC referred to in file does not have reason present for increase in Verification of Employment fee. Please provide more information as to why the fee was increased.<br>Buyer Comment (2026-03-17): Do Not Concur - CIC disclosed additional borrower added (additional VOE would be required - D1223) - [Redacted] | 03/25/2026 |  |  | 1 C A |  | WI | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226175 |  | 3158623483 |  | 36065689 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Reviewer Comment (2026-03-18): Closing instructions required final policy in the correct amount which is sufficient.<br>Buyer Comment (2026-03-17): Please review closing instructions page 6 - confirm requirement for updated title policy D0587 | 03/18/2026 |  |  | 1 B A |  | WI | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226176 |  | 3158623484 |  | 36047451 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The amount of Lender Credit changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-19): valid COC documentation and explanation received<br>Buyer Comment (2026-03-19): Could this please be escalated for review. The Lender Credit covered all closing costs. When final settlement fees were lower (title insurance, etc.) the Lender Credit was subsequently lowered to still cover all closing costs for the borrower, as disclosed on COC.<br>Reviewer Comment (2026-03-19): [Redacted] received additional information, however, this does not provide sufficient information as to what changed circumstance occurred (as defined under [Redacted](e)(4)(A)-(F) that change in pricing/closing costs while the loan is still within the lock period.<br>Buyer Comment (2026-03-18): Please review COC<br>Reviewer Comment (2026-03-18): [Redacted] acknowledged that the lender credit decreased on [Redacted]. However, the provided COC does not contain sufficient information to identify what new information was received that impacted the pricing and caused the lender credit to decrease. Please provide a valid COC supporting the fee decrease; otherwise, a cure would be due to the borrower.<br>Buyer Comment (2026-03-17): Do Not Concur - please review again - closing costs for Final Loan Estimate to Initial Closing Disclosure [Redacted] decreased - lender credit decreased accordingly ; closing costs decreased [Redacted] - lender credit decreased accordingly<br>Reviewer Comment (2026-03-17): [Redacted] received rebuttal comment for changes made on COC dated [Redacted] and [Redacted] but as per COC dated [Redacted] the multiple general reasons provided for change in lender credit but as per file there seems to be no change in terms and projected payments from final LE to initial CD. Please provide more information as to what change circumstance has occurred that has resulted in change in pricing.<br>Buyer Comment (2026-03-16): Do Not Concur - Please review lender credit lowered on [Redacted]- valid CIC D0423 and [Redacted] - valid CIC D0425 (-$[Redacted]) | 03/19/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226178 |  | 3158623486 |  | 36014226 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-10): Sufficient Cure Provided At Closing |  | 03/10/2026 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226179 |  | 3158623488 |  | 36010212 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | The reason for the no escrow account was not provided on page [Redacted] of the final CD. |  |  |  | Reviewer Comment (2026-03-19): PCCD received an acceptable<br>Buyer Comment (2026-03-19): Please review PCCD | 03/19/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226180 |  | 3158623489 |  | 36052578 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-12): Sufficient Cure Provided At Closing |  | 03/12/2026 |  | 1 A |  | CO | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226181 |  | 3158623490 |  | 36058390 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |  | 03/13/2026 |  | 1 A |  | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226183 |  | 3158623494 |  | 36036377 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-11): Sufficient Cure Provided At Closing |  | 03/11/2026 |  | 1 A |  | MD | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226189 |  | 3158623506 |  | 36033108 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three [Redacted] business days prior to closing, and there is no documentation in file to evidence appraisal was provided at or before closing. |  |  |  | Reviewer Comment (2026-03-16): Received [Redacted] day acknowledgement<br>Buyer Comment (2026-03-13): Do Not Concur - please review [Redacted] | 03/16/2026 |  |  | 1 B A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226189 |  | 3158623506 |  | 36033109 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing third party verification of the Sch C business. |  |  |  | Reviewer Comment (2026-03-15): Received | 03/15/2026 |  |  | 1 B A C |  | VA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226189 |  | 3158623506 |  | 36033110 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Missing third party verification of the Sch C business. |  |  |  | Reviewer Comment (2026-03-15): Received<br>Buyer Comment (2026-03-13): Borrower [Redacted] is sole proprietor receiving [Redacted] income from [Redacted]. Please see attached verification of business. | 03/15/2026 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226189 |  | 3158623506 |  | 36033111 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-19): [Redacted] received a valid COC.<br>Buyer Comment (2026-03-18): DO Not Concur - LOE disclosed high end property - appraisal ([Redacted])Supplemental Addendum details appraiser performed extensive search of the subjects market area<br>Reviewer Comment (2026-03-17): [Redacted] received rebuttal, the email referred for the increase in appraisal fee shows the fee was increased due to complexity but the information is not sufficient. Need more information on complexity of the property.<br>Buyer Comment (2026-03-16): Do Not Concur - please review email LOE in file [Redacted] | 03/19/2026 |  |  | 1 C A |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226189 |  | 3158623506 |  | 36045621 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing third party verification of the [Redacted] business. |  |  |  | Reviewer Comment (2026-03-15): Received | 03/15/2026 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226189 |  | 3158623506 |  | 36045641 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing third party verification of the [Redacted] business. |  |  |  | Reviewer Comment (2026-03-15): Received. | 03/15/2026 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226189 |  | 3158623506 |  | 36045650 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing third party verification of the [Redacted] business. |  |  |  | Reviewer Comment (2026-03-15): Received | 03/15/2026 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226190 |  | 3158623507 |  | 36034952 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Appraisal sent on [Redacted]. Default receipt date is [Redacted], which is less than [Redacted] business days prior to Note date [Redacted]. Neither compliant borrower's acknowledgment of receipt nor waiver of delivery timing requirements provided. |  |  |  | Reviewer Comment (2026-03-12): appraisal delivery received<br>Buyer Comment (2026-03-12): Do Not Concur - please review [Redacted] | 03/12/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226190 |  | 3158623507 |  | 36035416 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Final [Redacted] indicates borrower is a Permanent Resident Alien; however, a copy of his Permanent Resident card was not found in the file. |  |  |  | Reviewer Comment (2026-03-15): Received copy of Permanent Resident card<br>Buyer Comment (2026-03-13): Please review ID | 03/15/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226194 |  | 3158623514 |  | 36015966 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | A legible copy of the flood cert is missing from the file. |  |  |  | Reviewer Comment (2026-03-12): flood cert received<br>Buyer Comment (2026-03-12): Please review uploaded flood cert | 03/12/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226197 |  | 3158623520 |  | 36037531 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2026-03-12): appraisal receipt form in file, [Redacted] | 03/12/2026 |  |  | 1 B A |  | CO | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226199 |  | 3158623522 |  | 36015060 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The expiration date on the Right to Cancel reflects [Redacted]; however, based on a transaction date of [Redacted] (date final CD was signed by borrowers), the expected Right to Cancel expiration date is [Redacted]. |  |  |  | Reviewer Comment (2026-03-12): PCCD has updated disbursement date<br>Buyer Comment (2026-03-12): Please review [Redacted] . PCCD has [Redacted] disbursement date, which is after [Redacted] rescission period for [Redacted] signed on [Redacted]. | 03/12/2026 |  |  | 1 C A |  | NM | 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 |
| 225226200 |  | 3158623523 |  | 36057509 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |  | 03/13/2026 |  | 1 A |  | NC | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226201 |  | 3158623524 |  | 36013549 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-10): Sufficient Cure Provided At Closing |  | 03/10/2026 |  | 1 A |  | NC | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226204 |  | 3158623527 |  | 36011366 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to DTI and missing VVOE for the borrower, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-03-12): VVOE received and acceptable<br>Buyer Comment (2026-03-12): Please clear when DTI and VOE citings are cleared. | 03/12/2026 |  |  | 1 B A C |  | MA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226204 |  | 3158623527 |  | 36011369 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI does not appear to include the $[Redacted] obligation for [Redacted] property and there is no documentation in file to support the exclusion such as a final CD or closing statement from it's sale. |  |  |  | Reviewer Comment (2026-03-12): VVOE received and acceptable<br>Buyer Comment (2026-03-12): Do not concur. Per UWer comments, "The property was sold after the close of the subject transaction. A [Redacted] search indicates this was sold on [Redacted]. The lender is requesting this be excluded from the ratios. This is allowable, the sales contract shows the contingency was due the date the subject loan closed and requesting the final CD to confirm sold. Removing from ratios." | 03/12/2026 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226204 |  | 3158623527 |  | 36011370 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fees subject to [Redacted]% tolerance changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-20): Situsamc Received Corrected PCCD and LOE along with true and certified final SS.<br>Buyer Comment (2026-03-19): Please review uploaded LOE and Settlement Statement.<br>Reviewer Comment (2026-03-18): [Redacted] received corrected PCCD moving the borrower shopped fees from section B to C but the changes made on PCCD is after [Redacted] days from consummation so a copy of true and certified final [Redacted] is required to finalize the fee along with LOE to borrower to accompanying CD.<br>Buyer Comment (2026-03-16): fee moved from section B to section C<br>Buyer Comment (2026-03-16): Please review uploaded PCCD from [Redacted]. | 03/20/2026 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226204 |  | 3158623527 |  | 36011381 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI does not appear to include the $[Redacted] obligation for [Redacted] property and there is no documentation in file to support the exclusion such as a final CD or closing statement from it's sale. |  |  |  | Reviewer Comment (2026-03-12): updated DTI with removal of this property<br>Buyer Comment (2026-03-12): Do not concur. Per UWer comments, "The property was sold after the close of the subject transaction. A [Redacted] search indicates this was sold on [Redacted]. The lender is requesting this be excluded from the ratios. This is allowable, the sales contract shows the contingency was due the date the subject loan closed and requesting the final CD to confirm sold. Removing from ratios." | 03/12/2026 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226204 |  | 3158623527 |  | 36011385 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to DTI discrepancy and borrower verification of employment. |  |  |  | Reviewer Comment (2026-03-12): VVOE received and acceptable<br>Buyer Comment (2026-03-12): Please clear when DTI and VOE citings are cleared. | 03/12/2026 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226204 |  | 3158623527 |  | 36017169 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | Missing borrower verification of employment for wage income. |  |  |  | Reviewer Comment (2026-03-12): VVOE received and acceptable<br>Buyer Comment (2026-03-12): Please review [Redacted] and attached un-redacted upper portion of VOE evidencing [Redacted] request date. | 03/12/2026 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226204 |  | 3158623527 |  | 36017170 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Missing borrower verification of employment for wage income. |  |  |  | Reviewer Comment (2026-03-12): VVOE received and acceptable<br>Buyer Comment (2026-03-12): Please review [Redacted] and attached un-redacted upper portion of VOE evidencing [Redacted] request date. | 03/12/2026 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226204 |  | 3158623527 |  | 36017285 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to DTI discrepancy and missing borrower verification of employment. |  |  |  | Reviewer Comment (2026-03-12): VVOE received and acceptable<br>Buyer Comment (2026-03-12): Please clear when DTI and VOE citings are cleared. | 03/12/2026 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226204 |  | 3158623527 |  | 36017290 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall finding due to DTI discrepancy and missing borrower verification of employment. |  |  |  | Reviewer Comment (2026-03-12): VVOE received and acceptable<br>Buyer Comment (2026-03-12): Please clear when DTI and VOE citings are cleared. | 03/12/2026 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226207 |  | 3158623532 |  | 36031031 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-11): Sufficient Cure Provided At Closing |  | 03/11/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226209 |  | 3158623535 |  | 36031916 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard insurance document is missing in the file. |  |  |  | Reviewer Comment (2026-03-18): Received<br>Buyer Comment (2026-03-18): Please review | 03/18/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226211 |  | 3158623538 |  | 36052579 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | This file was missing the appraisal document dated prior to the closing date. |  |  |  | Reviewer Comment (2026-03-19): appraisal received<br>Buyer Comment (2026-03-19): Do not concur. Please escalate to management. The Effective Date of Appraisal is used as the base line for when an appraisal is available, not the Date of Signature and Report. Please review the uploaded Appraisal Acknowledgments signed by the borrowers on [Redacted], [Redacted] and [Redacted].<br>Reviewer Comment (2026-03-18): The Report date of [Redacted], not the Effective date, is the date that has to be prior to the Note date and it is not. It appears the [Redacted] report was an updated version of an earlier report based on appraiser comments so if the original report can be provided this may resolve the issues. Finding remains open.<br>Buyer Comment (2026-03-17): Do not concur. [Redacted], [Redacted] and [Redacted] all contain the appraisal with an Effective Date of Appraisal of [Redacted] that precedes closing on [Redacted]. | 03/19/2026 |  |  | 1 D A |  | CA | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226211 |  | 3158623538 |  | 36052592 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Waterfall finding due to the missing appraisal. |  |  |  | Reviewer Comment (2026-03-19): appraisal received and is inspected after disaster, no issue from declaration<br>Buyer Comment (2026-03-19): Do not concur. Please escalate to management. The Effective Date of Appraisal is used as the base line for when an appraisal is available, not the Date of Signature and Report. Please review the uploaded Appraisal Acknowledgments signed by the borrowers on [Redacted], [Redacted] and [Redacted].<br>Reviewer Comment (2026-03-18): The Report date of [Redacted], not the Effective date, is the date that has to be prior to the Note date and it is not. It appears the [Redacted] report was an updated version of an earlier report based on appraiser comments so if the original report can be provided this may resolve the issues. Finding remains open.<br>Buyer Comment (2026-03-17): Do not concur. [Redacted], [Redacted] and [Redacted] all contain the appraisal with an Effective Date of Appraisal of [Redacted] that precedes closing on [Redacted]. | 03/19/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226211 |  | 3158623538 |  | 36052603 |  | 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. | Unable to complete testing until appraisal dated prior to closing is received. |  |  |  | Reviewer Comment (2026-03-19): appraisal ack received<br>Buyer Comment (2026-03-17): Please review uploaded appraisal acknowledgement. | 03/19/2026 |  |  | 1 B A |  | CA | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226211 |  | 3158623538 |  | 36063759 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Transfer Deed for subject transaction is not provided. |  |  |  | Reviewer Comment (2026-03-19): final title policy received<br>Buyer Comment (2026-03-18): Please review uploaded final title policy with vesting in borrower's names | 03/19/2026 |  |  | 1 D A |  | CA | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226211 |  | 3158623538 |  | 36067630 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | File is missing an appraisal dated prior to the closing date. |  |  |  | Reviewer Comment (2026-03-19): appraisal received<br>Buyer Comment (2026-03-19): Do not concur. Please escalate to management. The Effective Date of Appraisal is used as the base line for when an appraisal is available, not the Date of Signature and Report. Please review the uploaded Appraisal Acknowledgments signed by the borrowers on [Redacted], [Redacted] and [Redacted].<br>Reviewer Comment (2026-03-18): The Report date of [Redacted], not the Effective date, is the date that has to be prior to the Note date and it is not. It appears the [Redacted] report was an updated version of an earlier report based on appraiser comments so if the original report can be provided this may resolve the issues. Finding remains open.<br>Buyer Comment (2026-03-17): Do not concur. [Redacted], [Redacted] and [Redacted] all contain the appraisal with an Effective Date of Appraisal of [Redacted] that precedes closing on [Redacted]. | 03/19/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226212 |  | 3158623539 |  | 36043083 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Credit Report fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  |  |  |  |  | 3 C |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226212 |  | 3158623539 |  | 36043084 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | The final CD was not signed/dated resulting in a presumed receipt date of [Redacted] and an eligible disbursement date of [Redacted]. |  |  |  | Reviewer Comment (2026-03-18): The [Redacted] signed CD is time-stamped 10:07am; however, the file contains another [Redacted] CD version time-stamped 12:10pm which is considered to be the final version based on time stamp. Neither copy of the final version are signed/dated. The 2 versions of the [Redacted] CD are not the same which is why the time stamp was used to determine which was considered final. Finding remains open.<br>Buyer Comment (2026-03-17): Do not concur. Transaction date was not [Redacted]. Transaction date per Notary on Mortgage was [Redacted]. NRTC rescission date of [Redacted] is accurate. Final CD dated [Redacted] was signed [Redacted] and prepaid interest starts [Redacted]. |  |  |  | 3 C |  | FL | 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 |
| 225226212 |  | 3158623539 |  | 36043085 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The Right to Cancel document indicated a rescission expiration date of [Redacted]; however, based on a transaction date of [Redacted], the rescission expiration date should actually have been [Redacted]. |  |  |  | Reviewer Comment (2026-03-18): The [Redacted] signed CD is time-stamped 10:07am; however, the file contains another [Redacted] CD version time-stamped 12:10pm which is considered to be the final version based on time stamp. Neither copy of the final version are signed/dated. The 2 versions of the [Redacted] CD are not the same which is why the time stamp was used to determine which was considered final. Finding remains open.<br>Buyer Comment (2026-03-17): Do not concur. Transaction date was not [Redacted]. Transaction date per Notary on Mortgage was [Redacted]. NRTC rescission date of [Redacted] is accurate. Final CD dated [Redacted] was signed [Redacted] and prepaid interest starts [Redacted]. |  |  |  | 3 C |  | FL | 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 |
| 225226215 |  | 3158623547 |  | 36015915 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Temporary Buydown Terms Not Reflected on Disclosures Test | TRID: Terms on CD disclosed incorrectly. Temporary buydown terms paid by consumer or paid by other and reflected in the credit contract not accounted for accurately in disclosures provided to consumer. | Terms on CD disclosed incorrectly. Temporary buydown terms paid by consumer or paid by other and reflected in the credit contract not accounted for accurately in disclosures provided to consumer. |  |  |  | Reviewer Comment (2026-03-13): Cured within [Redacted] days of consummation and prior to TPR review with lender refund/credit for borrower paid portion of buydown |  | 03/13/2026 |  | 2 C B |  | TX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226215 |  | 3158623547 |  | 36015916 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Interest Rate Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the Interest Rate can change. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the Interest Rate can change. |  |  |  | Reviewer Comment (2026-03-13): Cured within [Redacted] days of consummation and prior to TPR review with lender refund/credit for borrower paid portion of buydown |  | 03/13/2026 |  | 2 C B |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226215 |  | 3158623547 |  | 36015917 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the Principal and Interest Payment can change. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the Principal and Interest Payment can change. |  |  |  | Reviewer Comment (2026-03-13): Cured within [Redacted] days of consummation and prior to TPR review with lender refund/credit for borrower paid portion of buydown |  | 03/13/2026 |  | 2 C B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226215 |  | 3158623547 |  | 36015918 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed a Principal and Interest Payment that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2026-03-13): Cured within [Redacted] days of consummation and prior to TPR review with lender refund/credit for borrower paid portion of buydown |  | 03/13/2026 |  | 2 C B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226215 |  | 3158623547 |  | 36015919 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. | Final Closing Disclosure provided on [Redacted] disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  |  |  | Reviewer Comment (2026-03-13): No product change. incorrect product disclosed throughout not accounting for borrower paid temp buydown Cured within [Redacted] days of consummation and prior to [Redacted] review with lender refund/credit for borrower paid portion of buydown |  | 03/13/2026 |  | 2 C B |  | TX | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226215 |  | 3158623547 |  | 36015920 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream [Redacted] that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream[Redacted] that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2026-03-13): Cured within [Redacted] days of consummation and prior to TPR review with lender refund/credit for borrower paid portion of buydown |  | 03/13/2026 |  | 2 C B |  | TX | 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 |
| 225226215 |  | 3158623547 |  | 36015922 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Temporary Buydown. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Temporary Buydown. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-03-10): Sufficient Cure Provided within [Redacted] Days of Closing |  | 03/10/2026 |  | 1 A |  | TX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226217 |  | 3158623549 |  | 36027628 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing third party verification of self-employment / business existence. |  |  |  | Reviewer Comment (2026-03-12): WVOE in file is acceptable<br>Buyer Comment (2026-03-12): Please review [Redacted]. B1 is employed by: [Redacted]. (Borrower is self-employed). Borrower owns [Redacted]% of [Redacted] business. Work Number VVOE dated [Redacted] confirming borrower is active. | 03/12/2026 |  |  | 1 C A |  | IA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226217 |  | 3158623549 |  | 36027807 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing third party verification of self-employment / business existence. |  |  |  | Reviewer Comment (2026-03-12): WVOE in file is acceptable<br>Buyer Comment (2026-03-12): Please review [Redacted]. B1 is employed by: [Redacted]. (Borrower is self-employed). Borrower owns [Redacted]% of [Redacted] business. Work Number VVOE dated [Redacted] confirming borrower is active. | 03/12/2026 |  |  | 1 C A |  | IA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226217 |  | 3158623549 |  | 36028544 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing third party verification of self-employment / business existence, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-03-12): WVOE in file is acceptable<br>Buyer Comment (2026-03-12): Please review [Redacted]. B1 is employed by: [Redacted]. (Borrower is self-employed). Borrower owns [Redacted]% of [Redacted] business. Work Number VVOE dated [Redacted] confirming borrower is active. | 03/12/2026 |  |  | 1 B A C |  | IA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226217 |  | 3158623549 |  | 36028545 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current [Redacted] status using reasonably reliable third-party records. | Waterfall finding due to missing third party verification of self-employment / business existence. |  |  |  | Reviewer Comment (2026-03-12): WVOE in file is acceptable<br>Buyer Comment (2026-03-12): Please review [Redacted]. B1 is employed by: [Redacted]. (Borrower is self-employed). Borrower owns [Redacted]% of [Redacted] business. Work Number VVOE dated [Redacted] confirming borrower is active. | 03/12/2026 |  |  | 1 C A |  | IA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226217 |  | 3158623549 |  | 36028546 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing third party verification of self-employment / business existence. |  |  |  | Reviewer Comment (2026-03-12): WVOE in file is acceptable<br>Buyer Comment (2026-03-12): Please review [Redacted]. B1 is employed by: [Redacted]. (Borrower is self-employed). Borrower owns [Redacted]% of [Redacted] business. Work Number VVOE dated [Redacted] confirming borrower is active. | 03/12/2026 |  |  | 1 C A |  | IA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226217 |  | 3158623549 |  | 36028547 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing third party verification of self-employment / business existence. |  |  |  | Reviewer Comment (2026-03-12): WVOE in file is acceptable<br>Buyer Comment (2026-03-12): Please review [Redacted]. B1 is employed by: [Redacted]. (Borrower is self-employed). Borrower owns [Redacted]% of [Redacted] business. Work Number VVOE dated [Redacted] confirming borrower is active. | 03/12/2026 |  |  | 1 C A |  | IA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226218 |  | 3158623550 |  | 36015299 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | File is missing Non-US Citizen Status documentation. |  |  |  | Reviewer Comment (2026-03-12): I-94 documentation received<br>Buyer Comment (2026-03-12): Please review [Redacted] and [Redacted]. Borrower is a non-permanent Resident. File contains a stamped I-94 showing the borrower, from [Redacted] has been granted [Redacted] Status Indefinitely as of [Redacted]. [Redacted] from [Redacted] with an I-94 Class Code [Redacted] is eligible. | 03/12/2026 |  |  | 1 C A |  | VA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226218 |  | 3158623550 |  | 36015474 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | The only appraisal in file is dated [Redacted] and Note date was [Redacted]. By virtue of the dates, the appraisal could not have been provided [Redacted] days prior to closing as it is dated less than [Redacted] days prior to closing. |  |  |  | Reviewer Comment (2026-03-12): appraisal ack received<br>Buyer Comment (2026-03-12): Please review [Redacted]. | 03/12/2026 |  |  | 1 B A |  | VA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226219 |  | 3158623551 |  | 36044887 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-12): Sufficient Cure Provided At Closing |  | 03/12/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226220 |  | 3158623553 |  | 36051235 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2026-03-19): appraisal ack received<br>Buyer Comment (2026-03-18): Do Not Concur - please review [Redacted] | 03/19/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226220 |  | 3158623553 |  | 36051240 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Proof that the secondary appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2026-03-19): appraisal ack received | 03/19/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226220 |  | 3158623553 |  | 36081620 |  | Compliance | 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 Tax Return Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Verification of Tax Return fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-19): valid COC received<br>Buyer Comment (2026-03-18): See the Change in Circumstance on page ([Redacted]) for the increase in Verification of Tax return fee. | 03/19/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226222 |  | 3158623556 |  | 36070078 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-16): Sufficient Cure Provided At Closing |  | 03/16/2026 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226223 |  | 3158623558 |  | 36032808 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-11): Sufficient Cure Provided At Closing |  | 03/11/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226226 |  | 3158623562 |  | 36052559 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2026-03-18): Received signature page of final 1003 with date un-redacted - issue resolved.<br>Buyer Comment (2026-03-18): DO Not Concur - please see [Redacted] print date [Redacted] page [Redacted] of [Redacted] | 03/18/2026 |  |  | 1 C A |  | MI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226227 |  | 3158623563 |  | 36055702 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |  | 03/13/2026 |  | 1 A |  | NC | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226229 |  | 3158623567 |  | 36066353 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence delivery of the [Redacted] appraisal to the borrowers. |  |  |  | Reviewer Comment (2026-03-18): Received evidence of delivery.<br>Buyer Comment (2026-03-18): Do Not Concur - please review [Redacted] | 03/18/2026 |  |  | 1 B A |  | NE | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226229 |  | 3158623567 |  | 36066354 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Both of the appraisals indicate HOA dues of $[Redacted] annually; however, this was not disclosed on page 4 of the final CD in the Non-Escrowed Property costs over Year 1 field. |  |  |  | Reviewer Comment (2026-03-20): PCCD and LOX received to cure the data on the CD.<br>Buyer Comment (2026-03-20): Please see PCCD and LOE<br>Reviewer Comment (2026-03-18): Response comment acknowledged and we agree HOA dues are $[Redacted] as indicated on appraisal. The issue is that the final CD did not indicate any non-escrowed property costs for year 1 on page 4 and the HOA dues should have been disclosed there. Finding remains open.<br>Buyer Comment (2026-03-18): Please review appraisal [Redacted] page 3 of 6 - (Bottom of Page) PUD information disclosed "Note: Subject pays dues on two lots ([Redacted]([Redacted]) or $[Redacted]) |  | 03/20/2026 |  | 2 C B |  | NE | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226229 |  | 3158623567 |  | 36066356 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The only CD in file is the one dated [Redacted] and signed by the borrowers at closing. No evidence of an initial CD provided at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-03-19): initial CD and proof of delivery received<br>Buyer Comment (2026-03-19): Please see Initial CD and proof of delivery | 03/19/2026 |  |  | 1 C A |  | NE | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226230 |  | 3158623568 |  | 36063485 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Appraisal sent on [Redacted]. Default receipt date is [Redacted], which is less than [Redacted] business days prior to Note date [Redacted]. Neither compliant borrower's acknowledgment of receipt nor waiver of delivery timing requirements is provided. |  |  |  | Reviewer Comment (2026-03-19): appraisal receipt received<br>Buyer Comment (2026-03-19): See proof of receipt of the Appraisal on page [Redacted] in the loan file. | 03/19/2026 |  |  | 1 B A |  | TN | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226230 |  | 3158623568 |  | 36063587 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Unable to determine compliance with timing requirements as 'Report Date' has been redacted on the document. |  |  |  | Reviewer Comment (2026-03-18): Received VVOE<br>Buyer Comment (2026-03-17): Please review un redacted report date (can connect to full [Redacted] doc using Report ID#<br>Buyer Comment (2026-03-17): Please review uploaded upper left portion of VOE without Report date redacted. | 03/18/2026 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226230 |  | 3158623568 |  | 36067625 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Unable to determine compliance with timing requirements for required VVOE for Borrower as 'Report Date' has been redacted on the document. |  |  |  | Reviewer Comment (2026-03-18): Received VVOE<br>Buyer Comment (2026-03-17): Please review uploaded upper left portion of VOE without Report date redacted. | 03/18/2026 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226230 |  | 3158623568 |  | 36067626 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to VVOE issue for the Borrower. |  |  |  | Reviewer Comment (2026-03-18): Received VVOE<br>Buyer Comment (2026-03-17): Please review uploaded upper left portion of VOE without Report date redacted. | 03/18/2026 |  |  | 1 B A C |  | TN | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226230 |  | 3158623568 |  | 36067627 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to VVOE issue for the Borrower. |  |  |  | Reviewer Comment (2026-03-18): Received VVOE<br>Buyer Comment (2026-03-17): Please review uploaded upper left portion of VOE without Report date redacted. | 03/18/2026 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226230 |  | 3158623568 |  | 36067628 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to VVOE issue for the Borrower. |  |  |  | Reviewer Comment (2026-03-18): Received VVOE<br>Buyer Comment (2026-03-17): Please review uploaded upper left portion of VOE without Report date redacted. | 03/18/2026 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226231 |  | 3158623569 |  | 36047347 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-12): Sufficient Cure Provided At Closing |  | 03/12/2026 |  | 1 A |  | TN | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226232 |  | 3158623570 |  | 36047782 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Verification of Non-US Citizen Status is missing. |  |  |  | Reviewer Comment (2026-03-19): documentation received and acceptable<br>Buyer Comment (2026-03-19): Please see verification of Non US Citizen | 03/19/2026 |  |  | 1 C A |  | CT | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226234 |  | 3158623572 |  | 36049496 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted]business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. |  |  |  | Reviewer Comment (2026-03-19): proof of appraisal delivery received<br>Buyer Comment (2026-03-18): and [Redacted]<br>Buyer Comment (2026-03-18): Please review [Redacted] | 03/19/2026 |  |  | 1 B A |  | MN | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226235 |  | 3158623575 |  | 36047279 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-12): Sufficient Cure Provided At Closing |  | 03/12/2026 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226236 |  | 3158623576 |  | 36050441 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-19): valid COC received and timely delivered to client<br>Buyer Comment (2026-03-18): See attached CIC for the increase in Loan Amount Points. | 03/19/2026 |  |  | 1 C A |  | MD | 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 |
| 225226237 |  | 3158623579 |  | 36055958 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. |  |  |  | Reviewer Comment (2026-03-19): proof of appraisal delivery received<br>Buyer Comment (2026-03-18): Do Not Concur - E-Mail in file, please review [Redacted] | 03/19/2026 |  |  | 1 B A |  | MD | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226238 |  | 3158623582 |  | 36058749 |  | 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 [Redacted] form was used, the [Redacted] form should have been used. | Based on review of the Note and Title Commitment the loan was a same lender refinance. |  |  |  | Reviewer Comment (2026-03-18): Client accepts EV2<br>Buyer Comment (2026-03-18): EV2 Accepted |  |  | 03/18/2026 | 2 B |  | WA | 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 |
| 225226239 |  | 3158623583 |  | 36065103 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing HOA Verification for [Redacted] |  |  |  | Reviewer Comment (2026-03-19): REO documentation received and acceptable<br>Buyer Comment (2026-03-18): Please review HOA payment [Redacted] / agrees with payment disclosed on 1003 $[Redacted]/[Redacted]= $[Redacted] | 03/19/2026 |  |  | 1 C A |  | MA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226239 |  | 3158623583 |  | 36065228 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | No documentation in loan file to evidence delivery of the updated appraisal to the borrowers at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-03-19): appraisal acknowledgement received<br>Buyer Comment (2026-03-18): Do Not Concur - please review [Redacted] - Acknowledgment | 03/19/2026 |  |  | 1 B A |  | MA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226239 |  | 3158623583 |  | 36065229 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | No documentation in loan file to evidence delivery of the preliminary appraisal to the borrowers at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-03-19): appraisal acknowledgement received | 03/19/2026 |  |  | 1 B A |  | MA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226240 |  | 3158623585 |  | 36052550 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee Total changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-23): PCCD, LOX, refund check and proof of mailing received to cure this fee overage.<br>Buyer Comment (2026-03-23): Please see attached PCCD, LOE, Refund check and proof of delivery<br>Reviewer Comment (2026-03-19): [Redacted] received changed circumstance indicating program changed. It is unclear how the loan program changed impacted the recording fees as the fees are typically a flat fee and a per page charge. Additional information on how the program changed impacted recording or a cure is required.<br>Buyer Comment (2026-03-18): See page (D0596) in the Loan File - Loan program changed which affected the recording fee. |  | 03/23/2026 |  | 2 C B |  | 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 |
| 225226243 |  | 3158623588 |  | 36035212 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 1[Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure provided to the borrower at Closing. No valid COC provided for change |  |  |  | Reviewer Comment (2026-03-11): Sufficient Cure Provided At Closing |  | 03/11/2026 |  | 1 A |  | OK | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226243 |  | 3158623588 |  | 36035213 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure provided to the borrower at Closing. No valid COC provided for change |  |  |  | Reviewer Comment (2026-03-11): Sufficient Cure Provided At Closing |  | 03/11/2026 |  | 1 A |  | OK | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226246 |  | 3158623593 |  | 36036154 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Credit Report Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2026-03-19): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-03-18): Please review the Final CD, category J, for the $[Redacted] cure related to the increase in the Credit Report fee. | 03/19/2026 |  |  | 1 C A |  | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226246 |  | 3158623593 |  | 36036161 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. |  |  |  |  | Reviewer Comment (2026-03-19): client accepts EV2 condition<br>Buyer Comment (2026-03-18): EV2 accepted. |  |  | 03/19/2026 | 2 B |  | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226246 |  | 3158623593 |  | 36036167 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fees subject to [Redacted]% tolerance increased by more than the allowable limit. A valid change of circumstance was not provided for fee changes. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2026-03-23): valid COC received<br>Buyer Comment (2026-03-23): Please see CIC for the increase due to the loan amount increased/loan locked. | 03/23/2026 |  |  | 1 C A |  | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226247 |  | 3158623596 |  | 36065836 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2026-03-19): proof of appraisal delivery received<br>Buyer Comment (2026-03-19): Do Not Concur - please review page 102/13004 - [Redacted] E-delivery | 03/19/2026 |  |  | 1 B A |  | OH | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226247 |  | 3158623596 |  | 36065837 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to 3 missing third party verifications for the borrower's businesses. |  |  |  | Reviewer Comment (2026-03-19): verification of business received<br>Buyer Comment (2026-03-19): Please see active business licenses in [Redacted] folder under Articles of Organization ([Redacted]). | 03/19/2026 |  |  | 1 B A C |  | OH | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226247 |  | 3158623596 |  | 36065838 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Partnership | General QM: Unable to verify current Partnership status using reasonably reliable third-party records. | File is missing third party verification of the business. |  |  |  | Reviewer Comment (2026-03-19): verification of business received<br>Buyer Comment (2026-03-19): Please see active business licenses in Acuity folder under Articles of Organization ([Redacted]). | 03/19/2026 |  |  | 1 C A |  | OH | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226247 |  | 3158623596 |  | 36065839 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Partnership | General QM: Unable to verify current Partnership status using reasonably reliable third-party records. | File is missing third party verification of the business. |  |  |  | Reviewer Comment (2026-03-19): verification of business received<br>Buyer Comment (2026-03-19): Please see active business licenses in Acuity folder under Articles of Organization ([Redacted]). | 03/19/2026 |  |  | 1 C A |  | OH | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226247 |  | 3158623596 |  | 36065840 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Partnership | General QM: Unable to verify current Partnership status using reasonably reliable third-party records. | File is missing third party verification of the business. |  |  |  | Reviewer Comment (2026-03-19): verification of business received<br>Buyer Comment (2026-03-19): Please see active business licenses in Acuity folder under Articles of Organization ([Redacted]). | 03/19/2026 |  |  | 1 C A |  | OH | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226247 |  | 3158623596 |  | 36084393 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to 3 missing third party verifications for the borrower's businesses. |  |  |  | Reviewer Comment (2026-03-19): verification of business received | 03/19/2026 |  |  | 1 C A |  | OH | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226247 |  | 3158623596 |  | 36084395 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing third party verification for 3 of the borrower's businesses. |  |  |  | Reviewer Comment (2026-03-19): verification of borrower's business received | 03/19/2026 |  |  | 1 C A |  | OH | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226247 |  | 3158623596 |  | 36084410 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to 3 missing third party verifications for the borrower's businesses. |  |  |  | Reviewer Comment (2026-03-19): verification of business received | 03/19/2026 |  |  | 1 C A |  | OH | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226247 |  | 3158623596 |  | 36084475 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-17): Sufficient Cure Provided At Closing |  | 03/17/2026 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226248 |  | 3158623597 |  | 36037070 |  | 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 [Redacted] business days of application. | The only Loan Estimate in file was issued on [Redacted] which was more than [Redacted] business days after the application date of [Redacted]. |  |  |  | Reviewer Comment (2026-03-19): [Redacted] received initial LE dated [Redacted].<br>Buyer Comment (2026-03-18): Please review initial Loan Estimate attached | 03/19/2026 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226250 |  | 3158623599 |  | 36045255 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing Verification of HOA Verification for the [Redacted]. |  |  |  | Reviewer Comment (2026-03-19): sufficient documentation for this property has been received<br>Buyer Comment (2026-03-18): Do not concur. The amount on the HOA letter supports the amount showing on the [Redacted]. We would not request further documentation.<br>Reviewer Comment (2026-03-18): The HOA document referenced is from [Redacted] which is [Redacted] yrs prior to the Note date and outdated. Confirmation of HOA dues at time of loan transaction is required. Finding remains open.<br>Buyer Comment (2026-03-18): Please review HOA Verification on document ID [Redacted] and [Redacted]. | 03/19/2026 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226253 |  | 3158623605 |  | 36033613 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-03-16): Received final policy. | 03/16/2026 |  |  | 1 A |  | UT | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226253 |  | 3158623605 |  | 36034194 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2026-03-16): Received final title policy with correct amount of coverage.<br>Buyer Comment (2026-03-16): Please review Title attached. | 03/16/2026 |  |  | 1 B A |  | UT | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226255 |  | 3158623609 |  | 36052553 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Initial LE issued [Redacted] e-signed [Redacted] prior to [Redacted] e-sign consent date. |  |  |  | Reviewer Comment (2026-03-19): proper timing of e-consent documentation received<br>Buyer Comment (2026-03-19): Please re-review doc ID [Redacted] , attached Consent<br>Reviewer Comment (2026-03-19): The consumer went through the eConsent process on [Redacted], the consumer acknowledged the receipt of the LE on [Redacted]. In the event the consumer had not provided eConsent by [Redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application.<br>Buyer Comment (2026-03-18): Please review documents ID [Redacted] Section 6 (4) as proof of e-consent for borrowers. | 03/19/2026 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226256 |  | 3158623611 |  | 36048628 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Neither evidence of delivery of primary appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2026-03-19): appraisal receipt received<br>Buyer Comment (2026-03-18): Please review Appraisal acknowledgment imaged under doc ID [Redacted], receipt of each Valuation report. | 03/19/2026 |  |  | 1 B A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226256 |  | 3158623611 |  | 36048629 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Neither evidence of delivery of secondary appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2026-03-19): appraisal receipt received<br>Buyer Comment (2026-03-18): Please review Appraisal acknowledgment imaged under doc ID [Redacted], receipt of each Valuation report. | 03/19/2026 |  |  | 1 B A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226256 |  | 3158623611 |  | 36052851 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing third party verification of self-employment for S-Corp income used to qualify. |  |  |  | Reviewer Comment (2026-03-19): verification of employment received<br>Buyer Comment (2026-03-18): Please see attached verification of [Redacted]<br>Reviewer Comment (2026-03-18): The documents referenced are all tax returns and considered third party verifications of the business such as a CPA letter, a Sec of State listing, etc. Finding remains open.<br>Buyer Comment (2026-03-18): Please review [Redacted] verification: Doc ID's [Redacted], [Redacted], [Redacted] | 03/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226256 |  | 3158623611 |  | 36052852 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing third party verification of self-employment for S-Corp income used to qualify. |  |  |  | Reviewer Comment (2026-03-19): verification of employment received<br>Reviewer Comment (2026-03-18): The documents referenced are all tax returns and considered third party verifications of the business such as a CPA letter, a Sec of State listing, etc. Finding remains open.<br>Buyer Comment (2026-03-18): Please review [Redacted] verification: Doc ID's [Redacted], [Redacted], [Redacted] | 03/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226256 |  | 3158623611 |  | 36052856 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing third party verification of self-employment for [Redacted] income used to qualify, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-03-19): verification of employment received<br>Reviewer Comment (2026-03-18): The documents referenced are all tax returns and considered third party verifications of the business such as a CPA letter, a Sec of State listing, etc. Finding remains open.<br>Buyer Comment (2026-03-18): Please review [Redacted] verification: Doc ID's [Redacted], [Redacted], [Redacted] | 03/19/2026 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226256 |  | 3158623611 |  | 36052857 |  | 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. | Waterfall finding due to missing third party verification of self-employment for [Redacted] income used to qualify. |  |  |  | Reviewer Comment (2026-03-19): verification of employment received<br>Reviewer Comment (2026-03-18): The documents referenced are all tax returns and considered third party verifications of the business such as a CPA letter, a Sec of State listing, etc. Finding remains open.<br>Buyer Comment (2026-03-18): Please review [Redacted] verification: Doc ID's [Redacted], [Redacted], [Redacted] | 03/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226256 |  | 3158623611 |  | 36052858 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing third party verification of self-employment for [Redacted] income used to qualify. |  |  |  | Reviewer Comment (2026-03-19): verification of employment received<br>Reviewer Comment (2026-03-18): The documents referenced are all tax returns and considered third party verifications of the business such as a CPA letter, a Sec of State listing, etc. Finding remains open.<br>Buyer Comment (2026-03-18): Please review [Redacted] verification: Doc ID's [Redacted], [Redacted], [Redacted] | 03/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226256 |  | 3158623611 |  | 36052859 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing third party verification of self-employment for [Redacted] income used to qualify. |  |  |  | Reviewer Comment (2026-03-19): verification of employment received<br>Reviewer Comment (2026-03-18): The documents referenced are all tax returns and considered third party verifications of the business such as a CPA letter, a Sec of State listing, etc. Finding remains open.<br>Buyer Comment (2026-03-18): Please review [Redacted] verification: Doc ID's [Redacted], [Redacted], [Redacted] | 03/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226256 |  | 3158623611 |  | 36052861 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-12): Sufficient Cure Provided At Closing |  | 03/12/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226257 |  | 3158623613 |  | 36042872 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2026-03-19): proof of appraisal delivery received<br>Buyer Comment (2026-03-19): Please re-review doc id [Redacted] page [Redacted] this is confirm receipt the Appraisal was emailed to borrower. Attest this is the same email address as listed on URLA/1003.<br>Reviewer Comment (2026-03-18): [Redacted] is not an email and I was unable to find the referenced email in file. If you can provide it, we'll take another look for clearance of the item. Thank you.<br>Buyer Comment (2026-03-18): See Receipt of appraisal in Loan File on page [Redacted].. I attest this is the same borrower email address as listed on the URLA/1003 under Contract Information. The borrower email address was redacted for privacy policy. | 03/19/2026 |  |  | 1 B A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226257 |  | 3158623613 |  | 36042879 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | File is missing a VVOE within 10 business days of the Note for the borrower. |  |  |  | Reviewer Comment (2026-03-18): Received VVOE meeting timing requirements.<br>Buyer Comment (2026-03-18): See pages [Redacted] and [Redacted] in Loan file for the VVOE, with the exclusion of the 2 federal holidays, the VVOE is within 10 days of the Note date. | 03/18/2026 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226257 |  | 3158623613 |  | 36048025 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2026-03-19): proof of appraisal delivery received<br>Buyer Comment (2026-03-19): Please review again page [Redacted] (located within [Redacted]) email to borrower sent [Redacted]<br>Reviewer Comment (2026-03-18): [Redacted] is not an email and I was unable to find the referenced email in file. If you can provide it, we'll take another look for clearance of the item. Thank you.<br>Buyer Comment (2026-03-18): See Receipt of appraisal in Loan File on page [Redacted].. I attest this is the same borrower email address as listed on the URLA/1003 under Contract Information. The borrower email address was redacted for privacy policy. | 03/19/2026 |  |  | 1 B A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226257 |  | 3158623613 |  | 36048714 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the missing VVOE for the borrower within 10 business days of closing. |  |  |  | Reviewer Comment (2026-03-18): Received VVOE meeting timing requirements.<br>Buyer Comment (2026-03-18): See pages [Redacted] and [Redacted] in Loan file for the VVOE | 03/18/2026 |  |  | 1 B A C |  | VA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226257 |  | 3158623613 |  | 36048715 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing VVOE for the borrower within 10 business days of closing. |  |  |  | Reviewer Comment (2026-03-18): Received VVOE meeting timing requirements.<br>Buyer Comment (2026-03-18): See pages [Redacted] and [Redacted] in Loan file for the VVOE | 03/18/2026 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226257 |  | 3158623613 |  | 36048721 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing a VVOE for the borrower within 10 business days of closing. |  |  |  | Reviewer Comment (2026-03-18): Received VVOE meeting timing requirements.<br>Buyer Comment (2026-03-18): See pages [Redacted] and [Redacted] in Loan file for the VVOE | 03/18/2026 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226257 |  | 3158623613 |  | 36048728 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to the missing VVOE for the borrower within 10 business days of closing. |  |  |  | Reviewer Comment (2026-03-18): Received VVOE meeting timing requirements.<br>Buyer Comment (2026-03-18): See pages [Redacted] and [Redacted] in Loan file for the VVOE | 03/18/2026 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226258 |  | 3158623614 |  | 36057497 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. |  |  |  | Reviewer Comment (2026-03-19): verification of appraisal delivery received<br>Buyer Comment (2026-03-19): Do Not Concur - please review page 1531 / 1706 - D0644 | 03/19/2026 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226258 |  | 3158623614 |  | 36065326 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |  | 03/13/2026 |  | 1 A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226259 |  | 3158623618 |  | 36063584 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [Redacted] Guaranty Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The [Redacted] Guaranty fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-19): valid COC received and timely delivered to client<br>Buyer Comment (2026-03-19): Do Not Concur - per service provider list borrower shopped for Settlement/Title provider - all fees related would be considered shopped and not held to tolerance (borrower would not shop for individual title services) Settlement and Title Insurance agents collect all related fees | 03/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226262 |  | 3158623621 |  | 36085037 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording fee changed to $[Redacted] on the Final CD. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-20): valid COC received and acceptable<br>Buyer Comment (2026-03-20): Please review again Borrower initiated Special Power of Attorney ([Redacted]) in file notarized on [Redacted] - valid reason for addition to recording fee, cure should not be required<br>Reviewer Comment (2026-03-20): [Redacted] received the rebuttal comment, and the supporting COC dated [Redacted], which is present in the loan file. However, the provided COC does not include sufficient information regarding the POA that was added or the requirements for the POA. Provide documentation of timeline for review and to provide supporting information on when lender become aware of the loan was closed with POA or Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Buyer Comment (2026-03-19): Do Not Concur - please review valid change in circumstance Loan Estimate [Redacted] - POA recording required page [Redacted] / [Redacted] | 03/20/2026 |  |  | 1 C A |  | RI | 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 |
| 225226263 |  | 3158623623 |  | 36047399 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not located in the file. |  |  |  | Reviewer Comment (2026-03-19): RTC documentation not required for this loan<br>Buyer Comment (2026-03-18): Please review Document ID [Redacted], Appraisal Subject section shows Vacant, [Redacted].<br> [Redacted] of new construction. Right to cancel not required. please cancel exception.<br>Buyer Comment (2026-03-18): Do not concur. The subject property is new construction. The [Redacted] is not applicable. | 03/19/2026 |  |  | 1 C A |  | 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 C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226264 |  | 3158623626 |  | 36058055 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Collateral Desktop Analysis fee of $[Redacted] was added on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-19): valid COC received and timely delivered to client<br>Buyer Comment (2026-03-18): Please review Change in Circumstance form on Document ID [Redacted] in addition to the letter of explanation doc id [Redacted] confirming the fee was added due to Gold Jumbo loan | 03/19/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226265 |  | 3158623627 |  | 36054612 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the estimated cost new is not disclosed on the appraisal. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2026-03-20): RCE received and HOI coverage in file is sufficient<br>Buyer Comment (2026-03-20): Please see attached RCE. | 03/20/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226266 |  | 3158623630 |  | 36052759 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Two of the three options in the "Partial Payments" section on page 4 are checked and result in conflicting information. |  |  |  | Reviewer Comment (2026-03-23): PCCD and LOX to the borrower received<br>Buyer Comment (2026-03-23): Please review copy of letter to borrower<br>Buyer Comment (2026-03-23): Please review corrected Closing Disclosure |  | 03/23/2026 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226267 |  | 3158623635 |  | 36054911 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2026-03-19): verification of appraisal delivery received<br>Buyer Comment (2026-03-19): Please review the [Redacted] eSign Certificate document ID [Redacted] Acknowledgment of receipt of Appraisal report by borrower. | 03/19/2026 |  |  | 1 B A |  | GA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226269 |  | 3158623637 |  | 36064734 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Final appraisal is dated [Redacted], which is less than 3 business days prior to the note date ([Redacted]). Neither compliant borrower's acknowledgment of receipt nor waiver of delivery timing requirements is provided. |  |  |  | Reviewer Comment (2026-03-19): appraisal acknowledgement received<br>Buyer Comment (2026-03-18): Please review the Appraisal Acknowledgement imaged document ID D1273, confirm receipt of each valuation report | 03/19/2026 |  |  | 1 B A |  | MT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226269 |  | 3158623637 |  | 36064735 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Amount Financed disclosed on Final Closing Disclosure is $[Redacted]. Due Diligence Finance Charge is $[Redacted]. There is a variance of $[Redacted]. Discrepancy is caused by exclusion of the following fee(s) from lender's calculation: Title - Title Insurance Services ($[Redacted]). |  |  |  | Reviewer Comment (2026-03-20): [Redacted] received lender clarification on breakdown of title-title insurance services and included endorsements which are non-apr & e-recording which is. Finance Charge and amount finance correctly disclosed. Fee confirmed on final settlement statement<br>Buyer Comment (2026-03-19): Do not concur. Please escalate. Buyers Closing Statement doc ID D0587 confirms breakdown of Title Service Charges $[Redacted] =Recording fee $[Redacted] considered APR+ $[Redacted]Endorsement Charge non apr + Endorsement $[Redacted] non apr +Endorsement fee $[Redacted] non apr + Endorsement fee $[Redacted] non apr.. These fees are itemized confirmed by borrowers and agent signatures on the Buyer(s) Closing Statement . <br> Remove the non apr fees Title-ALTA endorsements from the Finance Charges. <br> The Title policy, Settlement Statement and Closing Disclosure charged the same fee, this is not a credit,<br>Reviewer Comment (2026-03-19): Pursuant to disclosure requirements under 1026.37 and 38, SFA TRID Grid, for TRID fee tolerance testing purposes, the amounts disclosed on page 2 of the CD is used and separate itemization of credits are not utilized or referenced for TRID tolerance review. Please provide PCCD, LOE and proof of mailing to cure exception.<br>Buyer Comment (2026-03-18): Please review document ID D1015 the ALTA Endorsement charges $[Redacted], $[Redacted],$[Redacted] and $[Redacted] please exclude these non prepaid fees from the Title Services Charges as the Explanation of Charges shown on the Title Commitment itemized the $[Redacted] Title Charge.<br>($[Redacted] E-Recording Service charge ppfc) | 03/20/2026 |  |  | 1 C A |  | MT | 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 |
| 225226269 |  | 3158623637 |  | 36064736 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Finance Charge disclosed on Final Closing Disclosure is $[Redacted]. Due Diligence Finance Charge is $[Redacted]. There is a variance of $[Redacted]. Discrepancy is caused by exclusion of the following fee(s) from lender's calculation: Title - Title Insurance Services ($[Redacted]). |  |  |  | Reviewer Comment (2026-03-20): [Redacted] received lender clarification on breakdown of title-title insurance services and included endorsements which are non-apr & e-recording which is. Finance Charge and amount finance correctly disclosed. Fee confirmed on final settlement statement<br>Buyer Comment (2026-03-19): Do not concur. Please escalate. Buyers Closing Statement doc ID [Redacted] confirms breakdown of Title Service Charges $[Redacted] =Recording fee $[Redacted] considered APR+ $[Redacted]Endorsement Charge non apr + Endorsement $[Redacted] non apr +Endorsement fee $[Redacted] non apr + Endorsement fee $[Redacted] non apr.. These fees are itemized confirmed by borrowers and agent signatures on the Buyer(s) Closing Statement . <br> Remove the non apr fees Title-ALTA endorsements from the Finance Charges. <br> The Title policy, Settlement Statement and Closing Disclosure charged the same fee, this is not a credit,<br>Reviewer Comment (2026-03-19): Pursuant to disclosure requirements under 1026.37 and 38, SFA TRID Grid, for TRID fee tolerance testing purposes, the amounts disclosed on page 2 of the CD is used and separate itemization of credits are not utilized or referenced for TRID tolerance review. Please provide PCCD, LOE and proof of mailing to cure exception.<br>Buyer Comment (2026-03-18): Please review document ID D1015 the ALTA Endorsement charges $[Redacted], $[Redacted],$[Redacted] and $[Redacted] please exclude these non prepaid fees from the Title Services Charges as the Explanation of Charges shown on the Title Commitment itemized the $[Redacted] Title Charge.<br>($[Redacted] E-Recording Service charge ppfc) | 03/20/2026 |  |  | 1 C A |  | MT | 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 |
| 225226269 |  | 3158623637 |  | 36064738 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |  | 03/13/2026 |  | 1 A |  | MT | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226270 |  | 3158623639 |  | 36064391 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of updated primary appraisal delivery to the borrower was not located in the file. |  |  |  | Reviewer Comment (2026-03-19): verification of appraisal delivery received<br>Buyer Comment (2026-03-19): Please review Appraisal confirmed receipts by borrower D1030 pg 2 and D1031 | 03/19/2026 |  |  | 1 B A |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226270 |  | 3158623639 |  | 36064393 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. File did contain several Change of Circumstance forms; however, none of them were dated as to when the changes occurred. |  |  |  | Reviewer Comment (2026-03-19): valid COC received and timely delivered to client<br>Buyer Comment (2026-03-19): Please review the valid Change in Circumstance doc ID D0798 | 03/19/2026 |  |  | 1 C A |  | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226270 |  | 3158623639 |  | 36064418 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The Initial escrow account statement dated [Redacted] reflects an initial deposit of $[Redacted]; however the Final Closing Disclosure pages two (2) and four (4) indicate the initial deposit is $[Redacted]. |  |  |  | Reviewer Comment (2026-03-24): corrected IEADS received and acceptable<br>Buyer Comment (2026-03-24): Please review attached letter to borrower.<br>Buyer Comment (2026-03-24): Please review CD IEADS attached<br>Reviewer Comment (2026-03-24): reopening finding at client request<br>Reviewer Comment (2026-03-23): client accepts EV2 condition.<br>Buyer Comment (2026-03-23): Concur, accept EV2 grade. | 03/24/2026 |  |  | 1 B A |  | CT | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226272 |  | 3158623641 |  | 36072295 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing evidence of receipt of gift funds, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-03-19): Borrower has sufficient funds without gift considered - issue resolved. | 03/19/2026 |  |  | 1 B A C |  | PA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226272 |  | 3158623641 |  | 36072296 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing evidence of receipt of gift funds. |  |  |  | Reviewer Comment (2026-03-19): Borrower has sufficient funds without gift considered - issue resolved. | 03/19/2026 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226272 |  | 3158623641 |  | 36074427 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing documentation verifying transfer of gift funds to borrower or closing agent. |  |  |  | Reviewer Comment (2026-03-19): Borrower has sufficient assets without the gift considered.<br>Buyer Comment (2026-03-18): Per UW notes gift funds were not necessary to meet total required funds needed for the transaction. | 03/19/2026 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226272 |  | 3158623641 |  | 36074437 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing evidence of receipt of gift funds. |  |  |  | Reviewer Comment (2026-03-19): Borrower has sufficient assets without gift. | 03/19/2026 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226273 |  | 3158623643 |  | 36052715 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Survey fee changed to $[Redacted] on the Final CD. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-25): Documents received. This did not resolve the issue. Need a PCCD, LOX, refund check, and proof of mailing.<br>Buyer Comment (2026-03-25): Please review PCCD and LOE |  |  |  | 3 C |  | 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 |
| 225226275 |  | 3158623647 |  | 36037160 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | The Notes provided for the subject property are not signed by the borrower. |  |  |  | Reviewer Comment (2026-03-18): Received signed copy of Note.<br>Buyer Comment (2026-03-17): Do not Concur. See attached signed Note | 03/18/2026 |  |  | 1 D A |  | NY | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226276 |  | 3158623648 |  | 36026563 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Flood Certification (Initial Fee) changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-19): PCCD has cure information for this fee<br>Buyer Comment (2026-03-19): Please see attached PCCD package | 03/19/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226276 |  | 3158623648 |  | 36026564 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Flood Cert (Life of Loan) fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-19): PCCD has cure information for this fee<br>Buyer Comment (2026-03-19): Please see attached PCCD package | 03/19/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226276 |  | 3158623648 |  | 36038771 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for a lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-11): Exception approved with comp factors. |  |  | 03/11/2026 | 2 B |  | TX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226276 |  | 3158623648 |  | 36038774 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for a lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-11): Exception approved with comp factors. |  |  | 03/11/2026 | 2 B |  | TX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226277 |  | 3158623649 |  | 36030077 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits changed to $[Redacted] on the Closing Disclsure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-17): [Redacted] received COC dated [Redacted]<br>Buyer Comment (2026-03-16): Do not Concur. Valid CIC for property type change [Redacted]. Agency to non agency. The affordable credit decreased and disclosed timely same day | 03/17/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226277 |  | 3158623649 |  | 36030079 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-17): [Redacted] received COC dated [Redacted]<br>Buyer Comment (2026-03-16): Do not Concur. Initial Loan lock did not happen until [Redacted]. Loan points can float until the loan locks. Points decreased and no CIC is required for a decrease | 03/17/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226277 |  | 3158623649 |  | 36047258 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2026-03-18): Received<br>Buyer Comment (2026-03-17): Do not Concur. See attached signed initial 1003s | 03/18/2026 |  |  | 1 B A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226279 |  | 3158623653 |  | 36014392 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. |  |  |  | Reviewer Comment (2026-03-12): desk review report received and acceptable<br>Buyer Comment (2026-03-12): Please see attached CDA. | 03/12/2026 |  |  | 1 D A |  | NY | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226279 |  | 3158623653 |  | 36015696 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank [Redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within [Redacted] days of the application date. |  |  |  | Reviewer Comment (2026-03-16): Resolved.<br>Buyer Comment (2026-03-13): Do not Concur. HOC was sent within app package send via [Redacted] [Redacted] | 03/16/2026 |  |  | 1 B A |  | NY | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226279 |  | 3158623653 |  | 36015697 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower[Redacted] at least three [Redacted] business days prior to closing. | No documentation in file to evidence receipt of the Initial Closing Disclosure by the borrower and the presumed receipt date would not have been at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received disclosure tracking for initial CD.<br>Buyer Comment (2026-03-13): Do not Concur. Initial CD sent via [Redacted] | 03/16/2026 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226279 |  | 3158623653 |  | 36015699 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four [Redacted] business days prior to closing. | No documentation in file to evidence receipt of the [Redacted] LE by the borrower and the presumed receipt date would not have been at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received disclosure tracking for revised LE.<br>Buyer Comment (2026-03-13): Do not Concur. Revised LE sent via [Redacted] | 03/16/2026 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226279 |  | 3158623653 |  | 36015700 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-16): [Redacted] received COC and the fee increased since the rate was not locked.<br>Buyer Comment (2026-03-12): Do not concur. Initial loan lock [Redacted]. LEv7 disclosed timely same day | 03/16/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226279 |  | 3158623653 |  | 36034270 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted] of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Escalation Form in file for lender exceptions of DTI Ratio. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-11): Exception approved with comp factors. |  |  | 03/11/2026 | 2 B |  | NY | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226279 |  | 3158623653 |  | 36034289 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exceptions of DTI Ratio. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-11): Exception approved with comp factors. |  |  | 03/11/2026 | 2 B |  | NY | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226280 |  | 3158623655 |  | 36036895 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-18): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-03-16): Do not concur. Initial loan lock occurred [Redacted]. Points increased to $[Redacted] . CDv1 disclosed timely same day. Points decreased at closing | 03/18/2026 |  |  | 1 C A |  | IL | 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 |
| 225226282 |  | 3158623657 |  | 36018007 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-10): Sufficient Cure Provided At Closing |  | 03/10/2026 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226283 |  | 3158623658 |  | 36016716 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Provide a final title policy or supplemental report showing sufficient title coverage. |  |  |  | Reviewer Comment (2026-03-19): title policy received<br>Buyer Comment (2026-03-19): Final Title Policy provided | 03/19/2026 |  |  | 1 B A |  | IL | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226285 |  | 3158623663 |  | 36048427 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three [Redacted] business days prior to closing. | No documentation in file to evidence receipt of the Initial Closing Disclosure and the presumed receipt date would not have been at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-03-17): [Redacted] received disclosure summary.<br>Buyer Comment (2026-03-16): Do not Concur. Initial CD sent via [Redacted] [Redacted] | 03/17/2026 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226286 |  | 3158623664 |  | 36015231 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exception of DTI exceeding guideline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-11): Exception approved with comp factors. |  |  | 03/11/2026 | 2 B |  | MA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226286 |  | 3158623664 |  | 36015282 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted] of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | [Redacted] Form in file for lender exception of DTI exceeding guideline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-11): Exception approved with comp factors. |  |  | 03/11/2026 | 2 B |  | MA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225226286 |  | 3158623664 |  | 36015290 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit was disclosed as $[Redacted] on the Loan Estimate issued on [Redacted] (after rate lock) but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for credit decrease. The cure provided at closing [Redacted] is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2026-03-13): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-03-12): Do not Concur. The interest rate changed on [Redacted]. CDv3 disclosed timely same day | 03/13/2026 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226286 |  | 3158623664 |  | 36015292 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Recording Fee was disclosed as $[Redacted] on the initial Loan Estimate but was disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. The cure provided at closing [Redacted] is sufficient to address the violation but is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2026-03-13): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-03-12): Do not Concur. Already cured at closing | 03/13/2026 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226286 |  | 3158623664 |  | 36015293 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. The cure provided at closing [Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2026-03-13): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-03-12): Do not Concur. Already cured at closing | 03/13/2026 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226286 |  | 3158623664 |  | 36030585 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were disclosed as $[Redacted] on the Closing Disclosure issued on [Redacted] (after rate lock) but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase. The cure provided at closing [Redacted] is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2026-03-13): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-03-12): Do not Concur. The interest rate changed on [Redacted]. CDv3 disclosed timely same day | 03/13/2026 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226286 |  | 3158623664 |  | 36054024 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |  | 03/13/2026 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226286 |  | 3158623664 |  | 36054025 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |  | 03/13/2026 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225226287 |  | 3158623665 |  | 36030423 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-03-19): [Redacted] received a valid COC.<br>Buyer Comment (2026-03-18): [Redacted] requested a CIC for an increase that was not charged at closing. But please see attached CIC for loan amount [Redacted]<br>Reviewer Comment (2026-03-18): [Redacted] received COC, however as per LE dated [Redacted] loan was locked. Please provide valid COC for LE dated [Redacted] for addition of loan discount points. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check.<br>Buyer Comment (2026-03-16): Do not Concur. [Redacted] is requesting a CIC for an increase before the loan locked. Points can float until the loan locks.<br>Reviewer Comment (2026-03-16): [Redacted] received COC dated [Redacted].However, the fee increased on CD dated [Redacted]. Kindly provide a valid COC for the fee increased on CD dated [Redacted] or cure due to borrower .Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2026-03-12): Do not concur. Valid CICs for loan amount and loan points [Redacted] increased loan points to $[Redacted]. Points decreased at closing | 03/19/2026 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |

---

## Exhibit 99.15

**Exhibit 99.15**

![](n5785situsamc_logo.jpg)

**Valuation Report**

**Run Date - 3/25/2026 12:23:57 PM**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 225226032 |  | 3158623216 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.50 |
| 225226033 |  | 3158623217 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.50 |
| 225226034 |  | 3158623218 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 225226035 |  | 3158623220 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| 225226036 |  | 3158623223 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 225226037 |  | 3158623225 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
| 225226038 |  | 3158623227 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 225226039 |  | 3158623228 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225226040 |  | 3158623231 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225226041 |  | 3158623233 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.10 |
| 225226042 |  | 3158623235 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225226043 |  | 3158623236 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.590% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225226044 |  | 3158623237 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 225226045 |  | 3158623240 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 225226046 |  | 3158623241 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225226047 |  | 3158623242 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.00 |
| 225226048 |  | 3158623248 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
| 225226049 |  | 3158623251 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225226050 |  | 3158623253 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 225226051 |  | 3158623254 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.530% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| 225226052 |  | 3158623255 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| 225226053 |  | 3158623256 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 225226054 |  | 3158623258 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 |
| 225226055 |  | 3158623262 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.20 |
| 225226056 |  | 3158623263 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225226057 |  | 3158623264 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.790% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| 225226058 |  | 3158623266 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.40 |
| 225226059 |  | 3158623268 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 225226060 |  | 3158623273 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| 225226061 |  | 3158623274 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225226062 |  | 3158623275 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 225226063 |  | 3158623278 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225226064 |  | 3158623279 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 225226065 |  | 3158623281 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 225226066 |  | 3158623282 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.60 |
| 225226067 |  | 3158623284 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.430% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.90 |
| 225226068 |  | 3158623286 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225226069 |  | 3158623287 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 225226070 |  | 3158623288 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.10 |
| 225226071 |  | 3158623289 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.50 |
| 225226072 |  | 3158623290 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.670% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| 225226073 |  | 3158623291 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 225226074 |  | 3158623292 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225226075 |  | 3158623293 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225226076 |  | 3158623295 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 5.00 |
| 225226077 |  | 3158623296 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| 225226078 |  | 3158623299 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225226079 |  | 3158623300 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225226080 |  | 3158623302 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.40 |
| 225226081 |  | 3158623305 |  |  |  |  |  |  |  | 2.380% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.30 |
| 225226082 |  | 3158623306 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225226083 |  | 3158623307 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.80 |
| 225226084 |  | 3158623308 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 225226085 |  | 3158623309 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.690% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.60 |
| 225226086 |  | 3158623313 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225226087 |  | 3158623314 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225226088 |  | 3158623315 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 225226089 |  | 3158623316 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| 225226090 |  | 3158623321 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.650% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| 225226091 |  | 3158623323 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| 225226092 |  | 3158623324 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 |
| 225226093 |  | 3158623325 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.90 |
| 225226094 |  | 3158623327 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| 225226095 |  | 3158623328 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225226096 |  | 3158623332 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 |
| 225226097 |  | 3158623333 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 225226098 |  | 3158623334 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.480% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
| 225226099 |  | 3158623335 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.540% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| 225226100 |  | 3158623336 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.920% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 5.00 |
| 225226101 |  | 3158623337 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.90 |
| 225226102 |  | 3158623340 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225226103 |  | 3158623341 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.00 |
| 225226104 |  | 3158623342 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 225226105 |  | 3158623343 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 225226106 |  | 3158623344 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 225226107 |  | 3158623348 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 225226108 |  | 3158623352 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| 225226109 |  | 3158623358 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| 225226110 |  | 3158623359 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 225226111 |  | 3158623367 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 225226112 |  | 3158623369 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225226113 |  | 3158623370 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.40 |
| 225226114 |  | 3158623372 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225226115 |  | 3158623374 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225226116 |  | 3158623376 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| 225226117 |  | 3158623377 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 225226118 |  | 3158623378 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.820% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| 225226119 |  | 3158623380 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.30 |
| 225226120 |  | 3158623382 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 225226121 |  | 3158623385 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225226122 |  | 3158623387 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 225226123 |  | 3158623388 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| 225226124 |  | 3158623390 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| 225226125 |  | 3158623391 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| 225226126 |  | 3158623392 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.30 |
| 225226127 |  | 3158623393 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.50 |
| 225226128 |  | 3158623395 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| 225226129 |  | 3158623396 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.20 |
| 225226130 |  | 3158623397 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 225226131 |  | 3158623400 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 225226132 |  | 3158623401 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225226133 |  | 3158623402 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.50 |
| 225226134 |  | 3158623403 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| 225226135 |  | 3158623406 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.50 |
| 225226136 |  | 3158623408 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.80 |
| 225226137 |  | 3158623409 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225226138 |  | 3158623410 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| 225226139 |  | 3158623411 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.70 |
| 225226140 |  | 3158623412 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| 225226141 |  | 3158623415 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.90 |
| 225226142 |  | 3158623416 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.670% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 |
| 225226143 |  | 3158623418 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.90 |
| 225226144 |  | 3158623419 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.20 |
| 225226145 |  | 3158623420 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 225226146 |  | 3158623423 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| 225226147 |  | 3158623428 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.240% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.240% |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 |
| 225226148 |  | 3158623429 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 5.00 |
| 225226149 |  | 3158623431 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.690% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 5.00 |
| 225226150 |  | 3158623433 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 225226151 |  | 3158623434 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.00 |
| 225226152 |  | 3158623435 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225226153 |  | 3158623441 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225226154 |  | 3158623446 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225226155 |  | 3158623448 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 225226156 |  | 3158623450 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 225226157 |  | 3158623451 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 225226158 |  | 3158623453 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| 225226159 |  | 3158623454 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225226160 |  | 3158623455 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225226161 |  | 3158623457 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.710% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.10 |
| 225226162 |  | 3158623462 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225226163 |  | 3158623463 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225226164 |  | 3158623464 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225226165 |  | 3158623465 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.230% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -12.450% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.00 |
| 225226166 |  | 3158623466 |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 225226167 |  | 3158623468 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.450% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.60 |
| 225226168 |  | 3158623471 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| 225226169 |  | 3158623473 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.80 |
| 225226170 |  | 3158623476 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225226171 |  | 3158623477 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225226172 |  | 3158623480 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.40 |
| 225226173 |  | 3158623481 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.60 |
| 225226174 |  | 3158623482 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| 225226175 |  | 3158623483 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.450% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 225226176 |  | 3158623484 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 225226177 |  | 3158623485 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| 225226178 |  | 3158623486 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.40 |
| 225226179 |  | 3158623488 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225226180 |  | 3158623489 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 |
| 225226181 |  | 3158623490 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.30 |
| 225226182 |  | 3158623492 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 225226183 |  | 3158623494 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.260% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.00 |
| 225226184 |  | 3158623495 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 225226185 |  | 3158623498 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 225226186 |  | 3158623501 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225226187 |  | 3158623503 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225226188 |  | 3158623505 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| 225226189 |  | 3158623506 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 225226190 |  | 3158623507 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 225226191 |  | 3158623510 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 |
| 225226192 |  | 3158623511 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225226193 |  | 3158623513 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225226194 |  | 3158623514 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| 225226195 |  | 3158623515 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| 225226196 |  | 3158623518 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 225226197 |  | 3158623520 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 225226198 |  | 3158623521 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.60 |
| 225226199 |  | 3158623522 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| 225226200 |  | 3158623523 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 225226201 |  | 3158623524 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.030% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.70 |
| 225226202 |  | 3158623525 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.60 |
| 225226203 |  | 3158623526 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 225226204 |  | 3158623527 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.10 |
| 225226205 |  | 3158623529 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
| 225226206 |  | 3158623531 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 225226207 |  | 3158623532 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 225226208 |  | 3158623534 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| 225226209 |  | 3158623535 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 225226210 |  | 3158623536 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 225226211 |  | 3158623538 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.30 |
| 225226212 |  | 3158623539 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| 225226213 |  | 3158623542 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.30 |
| 225226214 |  | 3158623545 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225226215 |  | 3158623547 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225226216 |  | 3158623548 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 5.00 |
| 225226217 |  | 3158623549 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 225226218 |  | 3158623550 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 225226219 |  | 3158623551 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.90 |
| 225226220 |  | 3158623553 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.80 |
| 225226221 |  | 3158623554 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 225226222 |  | 3158623556 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225226223 |  | 3158623558 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225226224 |  | 3158623559 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.40 |
| 225226225 |  | 3158623560 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 225226226 |  | 3158623562 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.00 |
| 225226227 |  | 3158623563 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 225226228 |  | 3158623566 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| 225226229 |  | 3158623567 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.750% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.20 |
| 225226230 |  | 3158623568 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.80 |
| 225226231 |  | 3158623569 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
| 225226232 |  | 3158623570 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 225226233 |  | 3158623571 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225226234 |  | 3158623572 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.30 |
| 225226235 |  | 3158623575 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.40 |
| 225226236 |  | 3158623576 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225226237 |  | 3158623579 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.00 |
| 225226238 |  | 3158623582 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225226239 |  | 3158623583 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 |
| 225226240 |  | 3158623585 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 225226241 |  | 3158623586 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.00 |
| 225226242 |  | 3158623587 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| 225226243 |  | 3158623588 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225226244 |  | 3158623591 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.20 |
| 225226245 |  | 3158623592 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 225226246 |  | 3158623593 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 225226247 |  | 3158623596 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| 225226248 |  | 3158623597 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.10 |
| 225226249 |  | 3158623598 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 225226250 |  | 3158623599 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 225226251 |  | 3158623601 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| 225226252 |  | 3158623604 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.20 |
| 225226253 |  | 3158623605 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.50 |
| 225226254 |  | 3158623606 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 225226255 |  | 3158623609 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225226256 |  | 3158623611 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.10 |
| 225226257 |  | 3158623613 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.00 |
| 225226258 |  | 3158623614 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.450% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 225226259 |  | 3158623618 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 225226260 |  | 3158623619 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 225226261 |  | 3158623620 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.950% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.950% |  |  |  |  |  |  |  |  | No | 4.00 | 4.40 |
| 225226262 |  | 3158623621 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.70 |
| 225226263 |  | 3158623623 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 |
| 225226264 |  | 3158623626 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 225226265 |  | 3158623627 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.20 |
| 225226266 |  | 3158623630 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.60 |
| 225226267 |  | 3158623635 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225226268 |  | 3158623636 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 225226269 |  | 3158623637 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 5.00 |
| 225226270 |  | 3158623639 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 225226271 |  | 3158623640 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225226272 |  | 3158623641 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 225226273 |  | 3158623643 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.90 |
| 225226274 |  | 3158623645 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225226275 |  | 3158623647 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225226276 |  | 3158623648 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.20 |
| 225226277 |  | 3158623649 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.120% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.120% |  |  |  |  |  |  |  |  | No |  |  |
| 225226278 |  | 3158623651 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 225226279 |  | 3158623653 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225226280 |  | 3158623655 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225226281 |  | 3158623656 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225226282 |  | 3158623657 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225226283 |  | 3158623658 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| 225226284 |  | 3158623660 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.200% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.80 |
| 225226285 |  | 3158623663 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| 225226286 |  | 3158623664 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225226287 |  | 3158623665 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.90 |

---

## Exhibit 99.16

**Exhibit 99.16**

![](n5785situsamc_logo.jpg)

**Data Compare Summary (Total)**

**Run Date - 3/25/2026 12:23:31 PM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 1 | 256 | 0.39% | 256 |
| State | 0 | 256 | 0.00% | 256 |
| Zip | 0 | 256 | 0.00% | 256 |
| Note Date | 8 | 256 | 3.13% | 256 |
| Original Loan Amount | 1 | 256 | 0.39% | 256 |
| Amortization Term | 0 | 256 | 0.00% | 256 |
| Original Interest Rate | 1 | 256 | 0.39% | 256 |
| Borrower Qualifying FICO | 13 | 255 | 5.10% | 256 |
| Coborrower Qualifying FICO | 3 | 147 | 2.04% | 256 |
| Amortization Type | 0 | 256 | 0.00% | 256 |
| Representative FICO | 4 | 256 | 1.56% | 256 |
| Property Type | 1 | 256 | 0.39% | 256 |
| Interest Only | 0 | 256 | 0.00% | 256 |
| Lien Position | 0 | 256 | 0.00% | 256 |
| Occupancy | 0 | 256 | 0.00% | 256 |
| Purpose | 0 | 256 | 0.00% | 256 |
| Appraised Value | 2 | 256 | 0.78% | 256 |
| Contract Sales Price | 2 | 256 | 0.78% | 256 |
| Balloon Flag | 0 | 256 | 0.00% | 256 |
| Original CLTV | 1 | 256 | 0.39% | 256 |
| Original LTV | 1 | 256 | 0.39% | 256 |
| Origination Channel | 0 | 256 | 0.00% | 256 |
| Appraisal Effective Date | 5 | 256 | 1.95% | 256 |
| Investor: Qualifying Total Debt Ratio | 10 | 256 | 3.91% | 256 |
| Initial Rate Lock Date | 30 | 256 | 11.72% | 256 |
| **Total** | **83** | **6290** | **1.32%** | **256** |

---

## Exhibit 99.17

**Exhibit 99.17**

![](n5785situsamc_logo.jpg)

**Data Compare (Non-Ignored)**

**Run Date - 3/25/2026 12:22:48 PM**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 225226034 |  | 3158623218 |  |  | Representative FICO | [Redacted] | [Redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225226034 |  | 3158623218 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225226038 |  | 3158623227 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Unable to determine variance. |
| 225226040 |  | 3158623231 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226042 |  | 3158623235 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226049 |  | 3158623251 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226051 |  | 3158623254 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226060 |  | 3158623273 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226062 |  | 3158623275 |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
| 225226072 |  | 3158623290 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226074 |  | 3158623292 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
| 225226074 |  | 3158623292 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226076 |  | 3158623295 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226077 |  | 3158623296 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226079 |  | 3158623300 |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
| 225226084 |  | 3158623308 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Unable to determine which credit report was most recent as dates were redacted. |
| 225226084 |  | 3158623308 |  |  | Coborrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Unable to determine which credit report was most recent as dates were redacted. |
| 225226084 |  | 3158623308 |  |  | Representative FICO | [Redacted] | [Redacted] | Verified | Unable to determine which credit report was most recent as dates were redacted. |
| 225226085 |  | 3158623309 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226094 |  | 3158623327 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225226095 |  | 3158623328 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226104 |  | 3158623342 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
| 225226115 |  | 3158623374 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226122 |  | 3158623387 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226131 |  | 3158623400 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
| 225226136 |  | 3158623408 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Bid Tape DTI higher as it includes estimated fully assessed property taxes. Field value reflects current which is what escrows were set up based on. |
| 225226138 |  | 3158623410 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226141 |  | 3158623415 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226147 |  | 3158623428 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Bid Tape Value appears to be including current rent. |
| 225226154 |  | 3158623446 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226156 |  | 3158623450 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226161 |  | 3158623457 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field value Income and debt information matches 1008. Unable to<br> determine variance to the bid tape DTI. |
| 225226166 |  | 3158623466 |  |  | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| 225226166 |  | 3158623466 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226166 |  | 3158623466 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
| 225226166 |  | 3158623466 |  |  | Original LTV | [Redacted] | [Redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225226166 |  | 3158623466 |  |  | Original CLTV | [Redacted] | [Redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225226166 |  | 3158623466 |  |  | Representative FICO | [Redacted] | [Redacted] | Verified | Field Value is from the credit report dated prior to closing |
| 225226166 |  | 3158623466 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value is from the credit report dated prior to closing |
| 225226166 |  | 3158623466 |  |  | Original Interest Rate | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| 225226168 |  | 3158623471 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225226170 |  | 3158623476 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
| 225226174 |  | 3158623482 |  |  | Coborrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Unable to determine latest credit report as dates are redacted. |
| 225226174 |  | 3158623482 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Unable to determine latest credit report as dates are redacted. |
| 225226174 |  | 3158623482 |  |  | Representative FICO | [Redacted] | [Redacted] | Verified | Unable to determine latest credit report as dates are redacted. |
| 225226175 |  | 3158623483 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225226176 |  | 3158623484 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226177 |  | 3158623485 |  |  | Coborrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225226183 |  | 3158623494 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
| 225226185 |  | 3158623498 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225226191 |  | 3158623510 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225226197 |  | 3158623520 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225226200 |  | 3158623523 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI matches the 1008 in file |
| 225226204 |  | 3158623527 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225226206 |  | 3158623531 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225226220 |  | 3158623553 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225226224 |  | 3158623559 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | field value DTI calculated from income and debts that match figures on the 1008. unable to determine reason for variance.. |
| 225226226 |  | 3158623562 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225226239 |  | 3158623583 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226240 |  | 3158623585 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226241 |  | 3158623586 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225226242 |  | 3158623587 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225226245 |  | 3158623592 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| 225226246 |  | 3158623593 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225226247 |  | 3158623596 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Difference in amount of qualifying income; however unable to determine source of difference without income breakdown for borr 2 |
| 225226249 |  | 3158623598 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226252 |  | 3158623604 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226253 |  | 3158623605 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225226257 |  | 3158623613 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225226257 |  | 3158623613 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226259 |  | 3158623618 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225226262 |  | 3158623621 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI matches the 1008 in file. |
| 225226262 |  | 3158623621 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226266 |  | 3158623630 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225226266 |  | 3158623630 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226267 |  | 3158623635 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225226269 |  | 3158623637 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226273 |  | 3158623643 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Unable to determine difference as income on 1008 does not match income on uw worksheet. |
| 225226274 |  | 3158623645 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 225226274 |  | 3158623645 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 225226276 |  | 3158623648 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226279 |  | 3158623653 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225226281 |  | 3158623656 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |

---