# EDGAR Filing Document

**Accession Number:** 0001142786
**File Stem:** 0001999371-26-002811
**Filing Date:** 2026-2
**Character Count:** 782533
**Document Hash:** f7b905ba209ba0a288369a3c53ec8944
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-002811.hdr.sgml**: 20260206

**ACCESSION NUMBER**: 0001999371-26-002811

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

**PUBLIC DOCUMENT COUNT**: 27

**CONFORMED PERIOD OF REPORT**: 20260206

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

**FILED AS OF DATE**: 20260206

**DATE AS OF CHANGE**: 20260206

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01089
- **FILM NUMBER:** 26608852

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001142786

<u>J.P. Morgan Mortgage Trust 2026-2</u><br> (Exact name of issuing entity as specified in its charter)

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

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

Amie Davis, (212) 623-7441

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

EXHIBIT INDEX

---

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

---

**SIGNATURES**

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

**j.p. morgan acceptance corporation ii**

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

Date: February 6, 2026

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

Name: Michael Brown

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

## Exhibit 99.1

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

**Exhibit 99.1**

![](ex991001.jpg)

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

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

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

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

Business Name (if Different):  

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

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

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

Business Name (if Different):  

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

**Item 3: Credit rating criteria** 

---

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

---

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

See attached.

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

See attached.

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**CERTIFICATION**

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

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

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

---

| | |
|:---|:---|
| Signature: | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/ Tim Van Houtte |

---

Date: <u>February 5, 2026</u>

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

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

AMC Diligence, LLC ("**AMC**") performed certain due diligence services described below on conforming and non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of JPMorgan Chase Bank, National Association ("**Client**") during multiple transactions from July 2024 to January 2026 via files imaged and provided by JPMorgan Chase Bank, National Association for review (the "**Review**").

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

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

The Review was conducted on one hundred fifty-nine (159) loans selected by the Client with an aggregate original principal balance of approximately $221.197 million. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

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

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

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;Total Cash-out |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Product Description | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Property Type |  |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Refi Purpose |  |

---

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

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

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

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

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

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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/Zippy Review** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

---

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

---

---

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

---

---

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

---

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

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

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

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

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

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

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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

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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.

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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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.

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

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

**OVERALL REVIEW RESULTS SUMMARY**

There were one hundred fifty-nine (159) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable Fitch, Kroll, and Moody's NRSRO grading criteria, fifty-three (53) (33.33%) loans had an overall loan grade of "B". Three (3) of the loans with an overall grade of "B" had exceptions across multiple exception types. After all documents were presented, under the applicable DBRS and S&P NRSRO grading criteria, forty-five (45) (28.30%) loans had an overall loan grade of "B". Two (2) of the loans with an overall grade of "B" had exceptions across multiple exception types.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Fitch, Kroll, and Moody's Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;47 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;19 |

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| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;5 |
| | | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;5 |
| | | &nbsp;&nbsp;TILA | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***81*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**81** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***8*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**8** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**90** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**DBRS and S&P Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;47 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***68*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**68** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***8*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**8** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**77** |

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**COMPLIANCE RESULTS SUMMARY**

Of the one hundred fifty-nine (159) loans reviewed, under the applicable Fitch, Kroll, and Moody's NRSRO grading criteria, forty-seven (47) had a Compliance Review "B" grade. Twenty-two (22) of the loans with an overall grade of "B" had multiple compliance exceptions. Of the one hundred fifty-nine (159) loans reviewed, under the applicable DBRS and S&P NRSRO grading criteria, thirty-eight (38) had a Compliance Review "B" grade. Twenty-one (21) of the loans with an overall grade of "B" had multiple compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;112 | &nbsp;&nbsp;70.44% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;47 | &nbsp;&nbsp;29.56% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;121 | &nbsp;&nbsp;76.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;38 | &nbsp;&nbsp;23.90% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the one hundred fifty-nine (159) loans reviewed, under the applicable NRSRO grading criteria, one (1) loan had a Property Review "B" grade for property/appraisal related issues (see exception detail below).

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;158 | &nbsp;&nbsp;99.37% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.63% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**CREDIT REVIEW RESULTS SUMMARY**

One hundred fifty-one (151) mortgage loans (94.97%) of the total received an "A" Credit Review grade. The eight (8) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;151 | &nbsp;&nbsp;94.97% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;5.03% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the one hundred fifty-nine (159) mortgage loans reviewed, eighty-eight (88) (55.35%) mortgage loans had tape discrepancies across twenty (20) unique data fields. The most common tape discrepancies were Appraised Value (18.24%), Investor: Qualifying Total Debt Ratio (18.24%), and Note Date (11.95%). 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.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;29 | &nbsp;&nbsp;18.24% |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;29 | &nbsp;&nbsp;18.24% |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;19 | &nbsp;&nbsp;11.95% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;18 | &nbsp;&nbsp;11.32% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;11 | &nbsp;&nbsp;6.92% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;11 | &nbsp;&nbsp;6.92% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;11 | &nbsp;&nbsp;6.92% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;11 | &nbsp;&nbsp;6.92% |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;8 | &nbsp;&nbsp;5.03% |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;7 | &nbsp;&nbsp;4.40% |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.77% |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.52% |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.52% |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.26% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.26% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.63% |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**TPR Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;159 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$221197170.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**159** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$221197170.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;159 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$221197170.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**159** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$221197170.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;159 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$221197170.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**159** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$221197170.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;83 | &nbsp;&nbsp;52.20% | &nbsp;&nbsp;$122453276.00 | &nbsp;&nbsp;55.36% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;37 | &nbsp;&nbsp;23.27% | &nbsp;&nbsp;$51697616.00 | &nbsp;&nbsp;23.37% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;25 | &nbsp;&nbsp;15.72% | &nbsp;&nbsp;$29652278.00 | &nbsp;&nbsp;13.41% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;13 | &nbsp;&nbsp;8.18% | &nbsp;&nbsp;$16319000.00 | &nbsp;&nbsp;7.38% |
| &nbsp;&nbsp;Rate/Term Refinance - Lender Initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.63% | &nbsp;&nbsp;$1075000.00 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**159** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$221197170.00** | &nbsp;&nbsp;**100.00%** |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;159 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$221197170.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**159** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$221197170.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;91 | &nbsp;&nbsp;57.23% | &nbsp;&nbsp;$125214535.00 | &nbsp;&nbsp;56.61% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;51 | &nbsp;&nbsp;32.08% | &nbsp;&nbsp;$75685565.00 | &nbsp;&nbsp;34.22% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;8 | &nbsp;&nbsp;5.03% | &nbsp;&nbsp;$10686420.00 | &nbsp;&nbsp;4.83% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;7 | &nbsp;&nbsp;4.40% | &nbsp;&nbsp;$7240650.00 | &nbsp;&nbsp;3.27% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.63% | &nbsp;&nbsp;$940000.00 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.63% | &nbsp;&nbsp;$1430000.00 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**159** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$221197170.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;148 | &nbsp;&nbsp;93.08% | &nbsp;&nbsp;$203402170.00 | &nbsp;&nbsp;91.96% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;11 | &nbsp;&nbsp;6.92% | &nbsp;&nbsp;$17795000.00 | &nbsp;&nbsp;8.04% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**159** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$221197170.00** | &nbsp;&nbsp;**100.00%** |

---

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

**EXCEPTION DETAIL**

The exception summary below ties to the total number of B 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;**Fitch, Kroll, and Moody's Exceptions** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Exception Type** |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;16 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;16 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Check Restated Loan Designation Match - QM / ATR | &nbsp;&nbsp;13 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - QM | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Have Escrow Account | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Not Have Escrow Account | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, refund/adjustment, LOE, re-opening of rescission and proof of delivery required. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Right to Cancel Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Minnesota Tangible Net Benefit Disclosure | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Minnesota Tangible Net Benefit Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Appraisal Provided Prior to Date Performed | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;RESPA - Initial Escrow Account statement Inaccurate | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Available for Closing is insufficient to cover Cash From Borrower. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Appraisal is required to be in name of Lender | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Property |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P Exceptions** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Exception Type** |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;16 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;16 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - QM | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Have Escrow Account | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Not Have Escrow Account | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, refund/adjustment, LOE, re-opening of rescission and proof of delivery required. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Right to Cancel Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Minnesota Tangible Net Benefit Disclosure | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Minnesota Tangible Net Benefit Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Appraisal Provided Prior to Date Performed | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;RESPA - Initial Escrow Account statement Inaccurate | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Available for Closing is insufficient to cover Cash From Borrower. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Appraisal is required to be in name of Lender | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Property |

---

19 \| P a g e

## Exhibit 99.2

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

**Exhibit 99.2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 304359254 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304359254 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304363166 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304363166 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304363112 | Appraised Value | xxxx | xxxx | Verified | Tape Value reflects Purchase Price |
| 304380831 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304380831 | Investor: Qualifying Total Debt Ratio | 24.735 | 30.85784 | Verified | DTI is matching with 1008 |
| 304381130 | Investor: Qualifying Total Debt Ratio | 41.31 | 28.67798 | Verified | DTI is almost matching with 1008 |
| 304383080 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304383080 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304383080 | Investor: Qualifying Total Debt Ratio | 43.667 | 24.83376 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304382772 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304382772 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304382772 | Representative FICO | 797 | 792 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304382772 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304382772 | Original CLTV | 69.99 | 58.41176 | 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) |
| 304382772 | Original LTV | 69.99 | 58.41176 | Verified | Tape Value reflects the CLTV value |
| 304381712 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304391257 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304390445 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304391255 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304384692 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304384692 | Investor: Qualifying Total Debt Ratio | 21.549 | 25.79521 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304398408 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304398408 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304398408 | Representative FICO | 773 | 780 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304398408 | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304398408 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304398408 | Original CLTV | 33.8 | 30.14937 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304398408 | Original LTV | 33.8 | 30.14937 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304398408 | Investor: Qualifying Total Debt Ratio | 34.65 | 30.23346 | Verified | Matches AUS. |
| 304735852 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304735852 | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304745020 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304745020 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
| 304754653 | Investor: Qualifying Total Debt Ratio | 29.55 | 34.96024 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304814801 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304766797 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304823189 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304823189 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304838897 | Property Type | Condo | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304827579 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304822900 | Investor: Qualifying Total Debt Ratio | 40.69 | 49.66159 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304840494 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304840494 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304840162 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304839461 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304840493 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304840493 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304840493 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304840493 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
| 304819629 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304847018 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304840796 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304840498 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304840498 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304840498 | Investor: Qualifying Total Debt Ratio | 18.73 | 26.38942 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304820288 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304846297 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304846297 | Representative FICO | 745 | 727 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304847019 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304840235 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304834700 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304841545 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304841545 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304841545 | Original CLTV | 79.38 | 77.65217 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304841545 | Original LTV | 79.38 | 77.65217 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304841545 | Investor: Qualifying Total Debt Ratio | 22.37 | 28.50845 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304843376 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304843376 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304843376 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304843376 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304843376 | Original CLTV | 62 | 64.57143 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304843376 | Original LTV | 62 | 64.57143 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304838859 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304838859 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304838859 | Investor: Qualifying Total Debt Ratio | 39.02 | 46.27137 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304843858 | Investor: Qualifying Total Debt Ratio | 41.13 | 37.73174 | Verified | Used actual current month average for base income and 2 yr history for xxxx income |
| 304855005 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304856893 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304843272 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304843272 | Original CLTV | 70 | 76.53333 | 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) |
| 304843272 | Original LTV | 70 | 76.53333 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304843272 | Investor: Qualifying Total Debt Ratio | 12.2 | 41.47265 | Verified | Matches 1008 |
| 304841529 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304846834 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304860467 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304860467 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304860467 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304860467 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304869207 | Investor: Qualifying Total Debt Ratio | 40.02 | 47.6269 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304843805 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304823228 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304823228 | Investor: Qualifying Total Debt Ratio | 44.18 | 47.71606 | Verified | Calculated investor qualifying total debt ratio of 68.52382% exceeds Guideline total debt ratio of 50.00 since REO property "xxxx" in 1003 states that sold but no proof provided for sold |
| 304869409 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304869409 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304869409 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304869409 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304869997 | Representative FICO | 791 | 779 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304854999 | Investor: Qualifying Total Debt Ratio | 41.77 | 47.84509 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304860477 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304875239 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304875239 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304848644 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304848644 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304846288 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304862225 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304862225 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304872131 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304872131 | Investor: Qualifying Total Debt Ratio | 7.5 | 21.97083 | Verified | Tape data is incorrect. Loan approved at 21.615% |
| 304872015 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304894610 | Appraised Value | xxxx | xxxx | Verified | Tape Value reflects Purchase Price |
| 304894610 | Original CLTV | 65 | 72.5 | 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) |
| 304894610 | Original LTV | 65 | 72.5 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304871438 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304871438 | Investor: Qualifying Total Debt Ratio | 20 | 32.42859 | Verified | 1008 reflects 32.766% DTI. |
| 304858924 | Investor: Qualifying Total Debt Ratio | 33.17 | 37.28126 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304893874 | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304874140 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304874140 | Investor: Qualifying Total Debt Ratio | 36.78 | 42.11841 | Verified | 1008 approval reflects 42.11% DTI |
| 304862180 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304862180 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304862180 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304862180 | Original CLTV | 62.5 | 65 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304862180 | Original LTV | 62.5 | 65 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304891181 | Original Interest Rate | 6.38 | 6.5 | Verified | Field Value reflects the Note value |
| 304891181 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304856342 | Investor: Qualifying Total Debt Ratio | 31.81 | 40.4234 | Verified | Matches the AUS. |
| 304871970 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304862371 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304862371 | Investor: Qualifying Total Debt Ratio | 37.804 | 41.32736 | Verified | Per 1008 DTI is 41.327% and calculated DTI is 41.327% |
| 304862371 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| 304823098 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304823098 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304823098 | Original CLTV | 51.84 | 50.42493 | 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) |
| 304823098 | Original LTV | 51.84 | 50.42493 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304891069 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304891069 | Decision System |  |  | Verified | Field value reflects source document |
| 304874895 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304874895 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304874895 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304874895 | Original CLTV | 59.01 | 57.93939 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304874895 | Original LTV | 59.01 | 57.93939 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304873081 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304873081 | Investor: Qualifying Total Debt Ratio | 25.4 | 42.30127 | Verified | Field Value DTI matches the 1008 DTI. |
| 304854998 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304872116 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304872116 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872116 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304865102 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304865102 | Investor: Qualifying Total Debt Ratio | 12.7814 | 9.18936 | Verified | Field Value DTI matches 1008 DTI. |
| 304870062 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304873864 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304873864 | Original Interest Rate | 6.375 | 6.25 | Verified | Field Value reflects the Note value |
| 304873864 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304858378 | Note Date | xxxx | xxxx | Verified | Bid Tape Field Value is blank. |
| 304858378 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304858378 | Investor: Qualifying Total Debt Ratio | 26.4186 | 39.3024 | Verified | Per AUS DTI is 39.30% and calculated DTI is 39.30% |
| 304874921 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304874129 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872115 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304872115 | Investor: Qualifying Total Debt Ratio | 41.4147 | 29.98 | Verified | Field Value DTI matches LP DTI. |
| 304872115 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| 304858350 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304858350 | Original Interest Rate | 6.625 | 6.5 | Verified | Field Value reflects the Note value |
| 304858350 | Original CLTV | 64.52 | 44.44444 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304858350 | Original LTV | 64.52 | 44.44444 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304858350 | Investor: Qualifying Total Debt Ratio | 35.245 | 42.87019 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304896343 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304896343 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304892934 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304892934 | Investor: Qualifying Total Debt Ratio | 30.771 | 22.30529 | Verified | Per AUS DTI is 21.44% and calculated DTI is 21.44% |
| 304894680 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304876553 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304876553 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304876553 | Original CLTV | 73.33 | 64.70588 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304876553 | Original LTV | 73.33 | 64.70588 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304876553 | Investor: Qualifying Total Debt Ratio | 45 | 40.06056 | Verified | Per 1008 DTI is 40.06% and calculated DTI is 40.06% |
| 304865179 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304865179 | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| 304865179 | Investor: Qualifying Total Debt Ratio | 37.3265 | 44.60361 | Verified | Field Value DTI matches the 1008 DTI of 44.60% |
| 304874850 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304874850 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304874850 | Property Type | Single Family Detached | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304874850 | Decision System | LP / LPA | DU | Verified | Field value reflects source document |

---

## Exhibit 99.3

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

**Exhibit 99.3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 304359254 | 31206740 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304359254 | 31206742 |  | 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 $835.00 exceeds tolerance of $625.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 07/25/2024 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304363291 | 31237858 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304363291 | 31237859 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304376213 | 31523461 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $519.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/04/2024 |  |  | 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 |
| 304376514 | 31437445 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | xxxx | 09/04/2024 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304379693 | 31467468 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304380604 | 31494814 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304380604 | 31494815 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on xx/xx/xxxx are underdisclosed | xxxx |  |  |  | xxxx |  | 09/10/2024 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304380604 | 31494816 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 09/10/2024 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304380604 | 31494817 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 09/10/2024 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304380604 | 31494818 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 09/06/2024 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304383080 | 31631490 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | xxxx |  |  |  | xxxx |  | 10/04/2024 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304383080 | 31631492 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | xxxx |  |  |  | xxxx |  | 10/04/2024 |  | 2 C B |  | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304379854 | 31618517 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,853.62 exceeds tolerance of $-2,642.39. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 10/02/2024 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304379854 | 31618519 |  | Compliance | 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 $201.90 exceeds tolerance of $180.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/16/2024 |  |  | 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 |
| 304381712 | 31734803 |  | 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 $200.00 exceeds tolerance of $181.00 plus 10% or $199.10. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/27/2024 |  |  | 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 |
| 304381712 | 31734804 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,088.11 exceeds tolerance of $3,448.30. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 10/09/2024 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304381712 | 31738758 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 10/03/2024 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304391257 | 31739706 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx |  |  |  | xxxx | 10/01/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304384692 | 31932037 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $625.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/17/2024 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304398408 | 31931339 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - 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 |
| 304735852 | 33875451 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304735852 | 33875464 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 07/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304735852 | 33875491 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304735852 | 33928477 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 07/22/2025 | 2 B |  | TX | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304735852 | 34066430 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 A |  | TX | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304735852 | 34066443 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 74.96233% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 A |  | TX | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304735852 | 34743220 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | TX | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304745020 | 34033946 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 08/04/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304730846 | 34003491 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 07/23/2025 |  |  | 1 C A |  | WA | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304730846 | 34003495 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 07/23/2025 |  |  | 1 B A C |  | WA | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304730846 | 34006905 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. | xxxx |  |  |  | xxxx | 08/01/2025 |  |  | 1 C A |  | WA | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304732963 | 34072758 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $730.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/29/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304754653 | 34170878 |  | 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 $199.20 exceeds tolerance of $194.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/08/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304754653 | 34249052 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | 29.55376% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/12/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304754653 | 34253364 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304754653 | 35103493 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/28/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304754653 | 35103498 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 11/28/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304754653 | 35103499 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 11/28/2025 |  |  | 1 A |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304777983 | 34364633 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304777983 | 34364653 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304777983 | 34545860 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/30/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304777983 | 34545861 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/30/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304777983 | 34614103 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304814801 | 34390396 |  | 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 $-2,717.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304814801 | 34390398 |  | Compliance | 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 $240.00 exceeds tolerance of $120.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304814801 | 34390400 |  | Compliance | 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 $611.61 exceeds tolerance of $0.00. $611.61 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304814801 | 34848374 |  | 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 $240.00 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/30/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304816451 | 34401682 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 09/29/2025 |  |  | 1 B A C |  | PA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304816451 | 34401683 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 09/29/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304816451 | 34401684 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  | xxxx |  |  |  | 2 B |  | PA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304816451 | 34401685 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/01/2025 |  | 2 C B |  | PA | 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 |
| 304816451 | 34401686 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/01/2025 |  | 2 C B |  | PA | 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 |
| 304816451 | 34590641 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304766797 | 34445496 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Document Error: Bank statement account period not provided. |  | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 B A |  | NC | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823189 | 34481216 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 B A C |  | UT | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304823189 | 34481218 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/01/2025 |  | 2 C B |  | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304823189 | 34481219 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/01/2025 |  | 2 C B |  | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304823189 | 34639688 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | UT | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304838897 | 34518990 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/31/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304838897 | 34518991 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/31/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304838897 | 34518992 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304827579 | 34588934 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/24/2025 |  | 2 C B |  | IL | 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 |
| 304827579 | 34588935 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/24/2025 |  | 2 C B |  | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304827579 | 34588983 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |  |  |  |  | xxxx | 10/23/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304827579 | 34589034 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  |  |  |  |  | xxxx | 10/23/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304827579 | 34589062 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 10/23/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304827579 | 34589063 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 10/23/2025 |  |  | 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 |
| 304833160 | 34605393 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/28/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304833160 | 34605394 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/28/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304822900 | 34626084 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 12/29/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304822900 | 34626085 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 57.92576% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 12/29/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304822900 | 34626087 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 12/29/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304822900 | 34626088 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 12/29/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304822900 | 34626114 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 12/29/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304828398 | 34636424 |  | Compliance | 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 $9,673.93 exceeds tolerance of $5,959.00. $3,714.93 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304840494 | 34640254 |  | 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 $800.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/03/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304826806 | 34636489 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | 37.70090% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/08/2025 | 2 B |  | GA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304826806 | 34636589 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx |  |  |  | xxxx |  | 11/10/2025 |  | 2 C B |  | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304846503 | 34654564 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |  |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | GA | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304846503 | 34654566 |  | Compliance | 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 $875.00 exceeds tolerance of $700.00. $175.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | GA | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304846503 | 34654567 |  | Compliance | 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 $268.50 exceeds tolerance of $248.00. $20.50 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 10/23/2025 |  | 2 C B |  | GA | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304840162 | 34673307 |  | 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 $179.00 exceeds tolerance of $137.00 plus 10% or $150.70. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/08/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304839461 | 34673024 |  | 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 $0.00 exceeds tolerance of $-91.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/08/2025 |  | 1 A |  | VA | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304839461 | 34673026 |  | 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 $159.00 exceeds tolerance of $137.00 plus 10% or $150.70. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/08/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304838982 | 34673228 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/08/2025 |  | 1 A |  | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304819629 | 34682597 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |  |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819629 | 34682598 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819629 | 34682603 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 B A C |  | CT | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304819629 | 34682606 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819629 | 34924842 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | CT | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304847018 | 34690327 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,645.00 exceeds tolerance of $-1,690.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/09/2025 |  | 1 A |  | CA | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304840498 | 34683145 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840498 | 34683146 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304820288 | 34684646 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304820288 | 34704070 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/29/2025 |  | 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 | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304820288 | 34704071 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/29/2025 |  | 2 C B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304820288 | 34924862 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | TX | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304846297 | 34691776 |  | 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 $200.00 exceeds tolerance of $141.00 plus 10% or $155.10. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/09/2025 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304847019 | 34698134 |  | 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 $7,483.70 exceeds tolerance of $7,483.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/10/2025 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304847019 | 34698206 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 |  | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304847019 | 34698238 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/18/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304847019 | 34715736 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 B A C |  | TN | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304847019 | 34924876 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | TN | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840235 | 34696206 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/23/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840235 | 34715962 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/29/2025 |  | 2 C B |  | CO | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304840235 | 34715963 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/29/2025 |  | 2 C B |  | CO | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304828154 | 34699777 |  | Compliance | 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 $80,025.00 exceeds tolerance of $78,150.00. $1,875.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 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 |
| 304828154 | 34699858 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/10/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304828154 | 34699859 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xx/xx/xxxx). The disclosed Total of Payments in the amount of $xxxx is under disclosed by $xxxx compared to the calculated total of payments of $xxxx which exceeds the $100.00 threshold. | xxxx |  |  |  | xxxx |  | 11/10/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304828154 | 34699860 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304828154 | 34699861 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/10/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304834700 | 34719397 |  | 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 $5,172.60 exceeds tolerance of $4,184.00 plus 10% or $4,602.40. $570.20 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304850686 | 34712764 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304850686 | 34712765 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304850686 | 34712766 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304850686 | 34712767 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304850686 | 34712768 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304850686 | 34712769 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304850686 | 34712771 |  | 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 $110.83 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/13/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304850686 | 34712772 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304841532 | 34730839 |  | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304843376 | 34739295 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304838859 | 34739723 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | xxxx |  |  |  | xxxx | 10/22/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304838859 | 34739844 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/22/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304838859 | 34739858 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 10/22/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304838859 | 34740607 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304855005 | 34738903 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/16/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304856893 | 34739697 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 B A C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304856893 | 34739700 |  | 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 $925.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/16/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304856893 | 34739730 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Restricted Stock Agreement is missing. |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304856893 | 34739905 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304856893 | 34929616 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | WA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840998 | 34738652 |  | 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 |  | MI | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840998 | 34744200 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing the RSU Agreement or current Brokerage statement(s) holding the funds to verify the borrower has unrestricted access |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840998 | 34744218 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 B A C |  | MI | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304840998 | 34744219 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304843272 | 34755510 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304843272 | 34755561 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304843272 | 34755562 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840514 | 34751462 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/29/2025 |  | 2 C B |  | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304840514 | 34751463 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/29/2025 |  | 2 C B |  | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304845349 | 34751913 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/06/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304845349 | 34751914 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/06/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304845349 | 34751915 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,322.46 exceeds tolerance of $-2,487.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 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 B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304845349 | 34925434 |  | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. |  | xxxx |  |  |  | xxxx |  | 11/18/2025 |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form (If corresponding material disclosure exception has not been sufficiently cured, LOE, refund/adjustment, corrected TIL/CD, and proof of delivery required to cure material disclosure exception as applicable). B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304846823 | 34752185 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304860202 | 34760402 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840904 | 34761243 |  | Compliance | 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 $511.50 exceeds tolerance of $248.00. $263.50 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304840904 | 34761244 |  | Compliance | 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 $495.00 exceeds tolerance of $0.00. $495.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304840904 | 34841060 |  | 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 $511.50 exceeds tolerance of $248.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/29/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304844520 | 34777676 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is vacant. Unable to verify occupancy. |  | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304844520 | 34778418 |  | Property | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Subject property contains apparent environmental, health and/or safety problems notated by appraiser or visible on photo. |  | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Loan DTI is 19.03155% | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx | 12/11/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304865396 | 34784515 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304860245 | 34794012 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304860245 | 34794056 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304860245 | 34794057 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 B A C |  | MA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304871623 | 34797645 |  | 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 $200.00 exceeds tolerance of $150.00 plus 10% or $165.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/24/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304858371 | 34795255 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823228 | 34852106 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | xxxx | 11/01/2025 |  |  | 1 C A |  | GA | Primary | Purchase | D B A C | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823228 | 34852107 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  |  |  |  |  | xxxx | 11/01/2025 |  |  | 1 C A |  | GA | Primary | Purchase | D B A C | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823228 | 34852137 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | xxxx | 11/01/2025 |  |  | 1 B A |  | GA | Primary | Purchase | D B A C | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823228 | 34852139 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 69.13056% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 11/01/2025 |  |  | 1 C A |  | GA | Primary | Purchase | D B A C | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823228 | 34852148 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304823228 | 34852150 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 11/01/2025 |  |  | 1 C A |  | GA | Primary | Purchase | No Defined Cure B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823228 | 34852151 |  | 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 $73.00 exceeds tolerance of $60.00 plus 10% or $66.00. $7.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304823228 | 34852165 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/01/2025 |  |  | 1 C A |  | GA | Primary | Purchase | D B A C | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823228 | 34852179 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 11/01/2025 |  |  | 1 C A |  | GA | Primary | Purchase | D B A C | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823228 | 34852623 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | xxxx | 11/01/2025 |  |  | 1 D A |  | GA | Primary | Purchase | D B A C | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823228 | 34855302 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/01/2025 |  |  | 1 C A |  | GA | Primary | Purchase | D B A C | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823228 | 35064991 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | GA | Primary | Purchase | D B A C | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874134 | 34849605 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874134 | 34849635 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/14/2025 |  | 2 C B |  | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304874134 | 34849636 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/14/2025 |  | 2 C B |  | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304869409 | 34851861 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/07/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304869409 | 34851862 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/07/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304871635 | 34852626 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871635 | 34852707 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304871635 | 34912552 |  | 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 $287.00 exceeds tolerance of $248.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/05/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304871635 | 34924907 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304869996 | 34861013 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874375 | 34891392 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874375 | 34891393 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304854999 | 34891889 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304854999 | 34892641 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304854999 | 34892660 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 B A C |  | MA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304854999 | 34892661 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304854999 | 34895808 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304854999 | 34895821 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304854999 | 34895824 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304860477 | 34895971 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The appraisal states there are leased Solar Panels but no documentation was provided to confirm a payment |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304875239 | 34909669 |  | 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 $950.00 exceeds tolerance of $775.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/05/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304875239 | 34911569 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304848644 | 34935442 |  | 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. |  |  |  |  | xxxx |  | 11/26/2025 |  | 2 C B |  | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304848644 | 34935443 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 11/21/2025 |  |  | 1 B A C |  | MA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304848644 | 35041806 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | MA | Primary | Refinance - Rate/Term | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304846288 | 34940839 |  | Compliance | 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 $6,566.15 exceeds tolerance of $6,253.00. $313.15 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 12/01/2025 |  | 2 C B |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304846288 | 34948133 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/28/2025 |  | 2 C B |  | NV | 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 |
| 304846288 | 34948134 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/28/2025 |  | 2 C B |  | NV | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304889375 | 34947165 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304861519 | 34944390 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $795.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/10/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304856526 | 34948100 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304856526 | 34948101 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304876565 | 34951324 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304876565 | 34955658 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304876565 | 34955660 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304876565 | 34955661 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $xxxx may be required. | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304876565 | 34955662 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | xxxx | 11/25/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304876565 | 35106935 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304892354 | 34951986 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304861529 | 34951605 |  | 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 |  | TN | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304861529 | 34951696 |  | Compliance | 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 $205.00 exceeds tolerance of $0.00. $205.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 12/01/2025 |  | 2 C B |  | TN | 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 |
| 304862225 | 34963594 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 12/08/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304862225 | 35175778 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Rate/Term | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304889703 | 34952086 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xx/xx/xxxx disclosed an inaccurate APR of xxxx% compared to the actual APR at consummation of xxxx% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304889703 | 34952087 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304889703 | 34966666 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/17/2025 | 2 C B |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304872131 | 34981213 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 B A C |  | CO | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304872131 | 35073300 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | CO | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304888297 | 34974481 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304872015 | 34980057 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score is above 680. | 791 credit score, minimum required is 680. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/17/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874783 | 34981493 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $174.00 exceeds tolerance of $160.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/13/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304894610 | 34985026 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/14/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304894610 | 35039941 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $0.00. $850.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 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 |
| 304892051 | 34991215 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304871438 | 34988180 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/14/2025 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304858924 | 35004057 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874386 | 35013195 |  | 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 $268.50 exceeds tolerance of $248.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/19/2025 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304874140 | 35012911 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 11/21/2025 |  |  | 1 C A |  | MN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862180 | 35013524 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | xxxx | 12/11/2025 |  |  | 1 D A |  | NJ | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304891181 | 35013128 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 12/03/2025 |  |  | 1 C A |  | AZ | 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 |
| 304891181 | 35013129 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 12/03/2025 |  |  | 1 C A |  | AZ | 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 |
| 304893027 | 35015991 |  | 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 $1,512.50 exceeds tolerance of $1,450.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/19/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304856342 | 35034997 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304856342 | 35034998 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304856342 | 35035049 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 B A C |  | CT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304856342 | 35035050 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304893394 | 35025456 |  | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Tangible Net Benefit Disclosure | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower. |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304893394 | 35025457 |  | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Tangible Net Benefit Test | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Unable to determine if mortgage loan provides a tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304861656 | 35264270 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 10/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304861656 | 35264271 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304861656 | 35264273 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx |  |  |  | xxxx |  |  | 10/15/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862371 | 35264401 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/07/2025 |  | 2 C B |  | UT | 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 |
| 304862371 | 35264402 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/07/2025 |  | 2 C B |  | UT | 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 |
| 304862371 | 35264403 |  | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. |  | xxxx |  |  |  | xxxx |  | 11/26/2025 |  | 2 B |  | UT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form (If corresponding material disclosure exception has not been sufficiently cured, LOE, refund/adjustment, corrected TIL/CD, and proof of delivery required to cure material disclosure exception as applicable). B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304823098 | 35264444 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | RI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823098 | 35264445 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | RI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823098 | 35264446 |  | Credit | Missing Document | General | Missing Document | Missing Document: Official Check not provided |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | RI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304891069 | 35264615 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 D A |  | UT | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304891069 | 35264617 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xx/xx/xxxx are overdisclosed. | xxxx |  |  |  | xxxx |  | 11/11/2025 |  | 2 C B |  | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304891069 | 35264618 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xx/xx/xxxx are underdisclosed. | xxxx |  |  |  | xxxx |  | 11/11/2025 |  | 2 C B |  | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304891069 | 35264619 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the Monthly Escrow Payment. | xxxx |  |  |  | xxxx |  | 11/11/2025 |  | 1 A |  | UT | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304891069 | 35264620 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 11/11/2025 |  | 2 C B |  | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304891069 | 35264621 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 11/11/2025 |  | 2 C B |  | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304874895 | 35264676 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | As per AUS, One year income is considered and recent year Tax return is required. However Lender has considered income for year xxxx and xxxx, Therefore k-1 statement and 1120S for year xxxx is required as well as xxxx 1040's and xxxx 1040 extension. |  |  |  | xxxx | 11/21/2025 |  |  | 1 C A |  | NJ | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874895 | 35264677 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | NJ | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874895 | 35264678 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 11/21/2025 |  |  | 1 C A |  | NJ | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874895 | 35264681 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 11/21/2025 |  |  | 1 B A C |  | NJ | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304874895 | 35264682 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 11/21/2025 |  |  | 1 C A |  | NJ | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304873081 | 35264769 |  | 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 $126.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/13/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304873081 | 35264770 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/26/2025 |  | 2 C B |  | WA | 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 |
| 304873081 | 35264771 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/26/2025 |  | 2 C B |  | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304873081 | 35264775 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304854998 | 35583781 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 12/10/2025 |  |  | 1 C A |  | NE | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304854998 | 35583783 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 12/11/2025 | 2 B |  | NE | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304872116 | 35583849 |  | 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. | xxxx |  |  |  | xxxx |  |  | 11/18/2025 | 2 B |  | TX | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304872116 | 35583852 |  | 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 $240.00 exceeds tolerance of $160.00 plus 10% or $176.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/04/2025 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304872116 | 35583853 |  | 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 $860.00 exceeds tolerance of $585.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/04/2025 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304872116 | 35583854 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1040 not provided |  | xxxx |  |  |  | xxxx | 12/03/2025 |  |  | 1 A |  | TX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304872116 | 35583855 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1) URLA reflects b1 employed by family member, provide tax returns<br>Compliance related |  |  |  | xxxx | 12/03/2025 |  |  | 1 A |  | TX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304872116 | 35583856 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 12/03/2025 |  |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304872116 | 35583857 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 12/03/2025 |  |  | 1 A |  | TX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304872116 | 35583858 |  | Credit | Guideline | Guideline Issue | Guideline | Housing history reflects lates that do not meet guidelines |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 A |  | TX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304865102 | 35583867 |  | 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 $860.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/05/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304870062 | 35583901 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | xxxx |  |  |  | xxxx | 12/01/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304870062 | 35583905 |  | Credit | Missing Document | General | Missing Document | Missing Document: W-2 not provided |  | xxxx |  |  |  | xxxx | 11/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304870062 | 35583906 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 12/02/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304870062 | 35583907 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 12/01/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304870062 | 35583908 |  | Credit | Missing Document | General | Missing Document | Missing Document: VVOE not provided |  | xxxx |  |  |  | xxxx | 12/01/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304870062 | 35583909 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | VVOE for xxxx is incomplete and does not confirm employment. <br>Compliance related |  |  |  | xxxx | 12/01/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304870062 | 35583910 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - K-1 Less Than 25 Percent | General QM: Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 12/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304870062 | 35583911 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than 25 Percent | General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 12/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304873864 | 35583918 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 12/15/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304872043 | 35584002 |  | Property | Missing Document | Appraisal Documentation | Missing Document | Loan is to go into a securitization, and full appraisal was not provided. |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304872043 | 35584003 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 12/08/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304872043 | 35584005 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | xxxx |  |  |  | xxxx | 11/21/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304872043 | 35584006 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 12/08/2025 |  |  | 1 A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304872043 | 35584007 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 12/08/2025 |  |  | 1 A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304858378 | 35584059 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304858378 | 35584061 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 11/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874921 | 35584100 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $195.00 exceeds tolerance of $70.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/13/2025 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304874921 | 35584102 |  | Credit | Credit | Credit Eligibility | Credit | Unacceptable credit - Judgment(s) dated within the last 12 months. |  | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874129 | 35584127 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874129 | 35584128 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 12/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874129 | 35584130 |  | Compliance | 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 $168.50 exceeds tolerance of $167.00. $1.50 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304874129 | 35584131 |  | Compliance | 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 $5,907.00 exceeds tolerance of $4,400.00. $1,507.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304874129 | 35584132 |  | 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 $7,708.25 exceeds tolerance of $6,035.00 plus 10% or $6,638.50. $1,069.75 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304874129 | 35584135 |  | 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 $168.50 exceeds tolerance of $167.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/24/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304872115 | 35584139 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | ME | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304858350 | 35584143 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | xxxx |  |  |  | xxxx | 12/08/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304858350 | 35584144 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 B A |  | MI | Primary | Refinance - Cash-out - Other | Good faith redisclosure C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304858350 | 35584146 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $xxxx may be required. | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304858350 | 35584147 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304896343 | 35584149 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 12/09/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304892934 | 35584156 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304892934 | 35584158 |  | 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 $105.00 exceeds tolerance of $87.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/19/2025 |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304892934 | 35584159 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304873074 | 35584163 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304873074 | 35584164 |  | 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. |  |  |  |  | xxxx | 11/26/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304894680 | 35584176 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 11/28/2025 | 2 B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304894680 | 35584178 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 12/09/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304876553 | 35584218 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | xxxx |  |  |  | xxxx | 12/01/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304876553 | 35584219 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | xxxx |  |  |  | xxxx | 12/01/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304876553 | 35584220 |  | Credit | Credit | Credit Documentation | Credit | Insufficient Verification of Rental History. |  | xxxx |  |  |  | xxxx | 12/10/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304865179 | 35584228 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 12/08/2025 | 2 B |  | WA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874850 | 35584229 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 12/02/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874850 | 35584233 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 12/02/2025 |  |  | 1 B A |  | CO | Second Home | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874850 | 35584235 |  | 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 $96.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/21/2025 |  | 1 A |  | CO | Second Home | Purchase | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304874850 | 35584236 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $495.00 exceeds tolerance of $350.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/21/2025 |  | 1 A |  | CO | Second Home | Purchase | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |

---

## Exhibit 99.4

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

**Exhibit 99.4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Customer Loan ID** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 304359254 | A | B | A | B | A | B | A | B |  |
| 304363166 | A | A | A | A | A | A | A | A |  |
| 304363112 | A | A | A | A | A | A | A | A |  |
| 304363291 | A | B | A | B | A | B | A | B |  |
| 304363511 | A | A | A | A | A | A | A | A |  |
| 304376175 | A | A | A | A | A | A | A | A |  |
| 304376213 | A | C | A | C | A | A | A | A |  |
| 304376514 | C | A | A | C | A | A | A | A |  |
| 304371715 | A | A | A | A | A | A | A | A |  |
| 304379693 | A | A | B | B | A | A | B | B |  |
| 304376598 | A | A | A | A | A | A | A | A |  |
| 304380604 | A | C | A | C | A | B | A | B |  |
| 304380831 | A | A | A | A | A | A | A | A |  |
| 304381130 | A | A | A | A | A | A | A | A |  |
| 304383080 | A | C | A | C | A | B | A | B |  |
| 304379854 | A | C | A | C | A | B | A | B |  |
| 304382666 | A | A | A | A | A | A | A | A |  |
| 304382772 | A | A | A | A | A | A | A | A |  |
| 304388183 | A | A | A | A | A | A | A | A |  |
| 304390819 | A | A | A | A | A | A | A | A |  |
| 304381712 | C | C | A | C | A | B | A | B |  |
| 304391257 | C | A | A | C | A | A | A | A |  |
| 304390814 | A | A | A | A | A | A | A | A |  |
| 304390445 | A | A | A | A | A | A | A | A |  |
| 304391255 | A | A | A | A | A | A | A | A |  |
| 304384692 | A | A | A | A | A | A | A | A |  |
| 304398408 | A | B | A | B | A | B | A | B |  |
| 304735852 | C | C | A | C | B | A B | A | B |  |
| 304745020 | C | A | A | C | A | A | A | A |  |
| 304730846 | A | C | A | C | A | A | A | A |  |
| 304732963 | A | A | A | A | A | A | A | A |  |
| 304754653 | C | A | A | C | B | A | A | B |  |
| 304777983 | C | C | A | C | A | B | A | B |  |
| 304814801 | A | C | A | C | A | A | A | A |  |
| 304816451 | C | C | A | C | A | B | A | B |  |
| 304766797 | B | A | A | B | A | A | A | A |  |
| 304823189 | A | C | A | C | A | B | A | B |  |
| 304838897 | A | C | A | C | A | B | A | B |  |
| 304827579 | C | C | A | C | A | B | A | B |  |
| 304833160 | A | C | A | C | A | B | A | B |  |
| 304822900 | C | C | A | C | A | A | A | A |  |
| 304828398 | A | C | A | C | A | A | A | A |  |
| 304840494 | A | A | A | A | A | A | A | A |  |
| 304826806 | B | C | A | C | B | B | A | B |  |
| 304846503 | A | C | A | C | A | B | A | B |  |
| 304840162 | A | A | A | A | A | A | A | A |  |
| 304839461 | A | A | A | A | A | A | A | A |  |
| 304840493 | A | A | A | A | A | A | A | A |  |
| 304838982 | A | A | A | A | A | A | A | A |  |
| 304819629 | C | C | A | C | A | A B | A | A B |  |
| 304847018 | A | A | A | A | A | A | A | A |  |
| 304840796 | A | A | A | A | A | A | A | A |  |
| 304840498 | C | A | A | C | A | A | A | A |  |
| 304820288 | A | C | A | C | A | B | A | B |  |
| 304846297 | A | A | A | A | A | A | A | A |  |
| 304847019 | C | B C | C | C | A | A B | A | A B |  |
| 304840235 | C | C | A | C | A | B | A | B |  |
| 304828154 | A | C | A | C | A | B | A | B |  |
| 304850802 | A | A | A | A | A | A | A | A |  |
| 304834700 | A | C | A | C | A | A | A | A |  |
| 304841545 | A | A | A | A | A | A | A | A |  |
| 304850686 | A | C | A | C | A | A | A | A |  |
| 304841532 | A | C | A | C | A | A | A | A |  |
| 304843376 | A | B | A | B | A | B | A | B |  |
| 304838859 | C | C | A | C | A | A | A | A |  |
| 304843858 | A | A | A | A | A | A | A | A |  |
| 304855005 | A | A | A | A | A | A | A | A |  |
| 304856893 | C | C | A | C | A | A B | A | A B |  |
| 304840998 | C | C | A | C | B | A | A | B |  |
| 304843272 | C | C | A | C | A | A | A | A |  |
| 304840514 | A | C | A | C | A | B | A | B |  |
| 304845349 | A | C | A | C | A | B | A | B |  |
| 304846823 | A | C | A | C | A | A | A | A |  |
| 304841529 | A | A | A | A | A | A | A | A |  |
| 304846834 | A | A | A | A | A | A | A | A |  |
| 304860202 | C | A | A | C | A | A | A | A |  |
| 304840413 | A | A | A | A | A | A | A | A |  |
| 304840904 | A | C | A | C | A | A | A | A |  |
| 304844520 | C | A | C | C | A | A | A | A |  |
| 304865396 | A | C | A | C | A | A | A | A |  |
| 304860245 | C | C | A | C | A | A | A | A |  |
| 304860467 | A | A | A | A | A | A | A | A |  |
| 304871623 | A | A | A | A | A | A | A | A |  |
| 304858371 | C | A | A | C | A | A | A | A |  |
| 304869207 | A | A | A | A | A | A | A | A |  |
| 304860869 | A | A | A | A | A | A | A | A |  |
| 304843805 | A | A | A | A | A | A | A | A |  |
| 304823228 | D | C | A | D | A | A B | A | A B |  |
| 304874134 | C | C | A | C | A | B | A | B |  |
| 304869409 | A | C | A | C | A | B | A | B |  |
| 304871635 | C | B C | A | C | A | A B | A | A B |  |
| 304869996 | C | A | A | C | A | A | A | A |  |
| 304869997 | A | A | A | A | A | A | A | A |  |
| 304860246 | A | A | A | A | A | A | A | A |  |
| 304873992 | A | A | A | A | A | A | A | A |  |
| 304874375 | C | A | A | C | A | A | A | A |  |
| 304854999 | C | C | A | C | A | A | A | A |  |
| 304860477 | C | A | A | C | A | A | A | A |  |
| 304868218 | A | A | A | A | A | A | A | A |  |
| 304875239 | C | A | A | C | A | A | A | A |  |
| 304874721 | A | A | A | A | A | A | A | A |  |
| 304848644 | A | C | A | C | A | B | A | B |  |
| 304889651 | A | A | A | A | A | A | A | A |  |
| 304846288 | A | C | A | C | A | B | A | B |  |
| 304896839 | A | A | A | A | A | A | A | A |  |
| 304889375 | C | A | A | C | A | A | A | A |  |
| 304861519 | A | A | A | A | A | A | A | A |  |
| 304856526 | A | C | A | C | A | B | A | B |  |
| 304874374 | A | A | A | A | A | A | A | A |  |
| 304876565 | C | C | A | C | A | A B | A | A B |  |
| 304879082 | A | A | A | A | A | A | A | A |  |
| 304892354 | C | A | A | C | A | A | A | A |  |
| 304861529 | B | C | A | C | B | B | A | B |  |
| 304862225 | A | B C | A | B C | A | A B | A | A B |  |
| 304889703 | C | C | A | C | B | A | A | B |  |
| 304872131 | A | B C | A | B C | A | A B | A | A B |  |
| 304888297 | B | A | A | B | B | A | A | B |  |
| 304872015 | C | A | A | C | B | A | A | B |  |
| 304874783 | A | A | A | A | A | A | A | A |  |
| 304872553 | A | A | A | A | A | A | A | A |  |
| 304894610 | A | A | A | A | A | A | A | A |  |
| 304892051 | A | B | A | B | A | B | A | B |  |
| 304871438 | A | A | A | A | A | A | A | A |  |
| 304867566 | A | A | A | A | A | A | A | A |  |
| 304858924 | C | A | A | C | A | A | A | A |  |
| 304874386 | A | A | A | A | A | A | A | A |  |
| 304893874 | A | A | A | A | A | A | A | A |  |
| 304874140 | C | A | A | C | A | A | A | A |  |
| 304862180 | A | A | D | D | A | A | A | A |  |
| 304891181 | A | C | A | C | A | A | A | A |  |
| 304896888 | A | A | A | A | A | A | A | A |  |
| 304893027 | A | A | A | A | A | A | A | A |  |
| 304856342 | A | C | A | C | A | A | A | A |  |
| 304893394 | A | B | A | B | A | B | A | B |  |
| 304871970 | A | A | A | A | A | A | A | A |  |
| 304861656 | C | B | A | C | A | B | A | B |  |
| 304862371 | A | C | A | C | A | B | A | B |  |
| 304823098 | C | A | A | C | A | A | A | A |  |
| 304891069 | A | C | D | D | A | B | A | B |  |
| 304874895 | C | C | A | C | A | A | A | A |  |
| 304873081 | C | C | A | C | A | B | A | B |  |
| 304854998 | C | B | A | C | A | B | A | B |  |
| 304872116 | A | B | A | B | A | B | A | B |  |
| 304865102 | A | A | A | A | A | A | A | A |  |
| 304870062 | C | C | A | C | A | A | A | A |  |
| 304873864 | C | A | A | C | A | A | A | A |  |
| 304872043 | C | A | C | C | A | A | A | A |  |
| 304858378 | C | A | A | C | A | A | A | A |  |
| 304874921 | C | A | A | C | A | A | A | A |  |
| 304874129 | C | C | A | C | A | A | A | A |  |
| 304872115 | C | A | A | C | A | A | A | A |  |
| 304858350 | C | C | A | C | A | A | A | A |  |
| 304896343 | A | B | A | B | A | B | A | B |  |
| 304892934 | C | A | A | C | A | A | A | A |  |
| 304873074 | C | B | A | C | A | A | A | A |  |
| 304894680 | C | B | A | C | A | B | A | B |  |
| 304876553 | C | A | A | C | A | A | A | A |  |
| 304865179 | A | B | A | B | A | B | A | B |  |
| 304874850 | C | B | A | C | A | A | A | A |  |

---

## Exhibit 99.5

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

**Exhibit 99.5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 304359254 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304363166 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 304363112 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304363291 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.010% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.010% |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304363511 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304376175 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304376213 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.30 |
| 304376514 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.790% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.790% |  |  |  |  |  |  |  |  | No |  |  |
| 304371715 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304379693 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304376598 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304380604 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.780% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.780% |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304380831 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304381130 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.750% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.750% |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 304383080 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304379854 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304382666 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.980% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -8.980% |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| 304382772 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 304388183 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 304390819 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304381712 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 304391257 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304390814 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304390445 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.350% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304391255 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.210% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304384692 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.930% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304398408 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.120% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -9.120% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304735852 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 304745020 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304730846 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.00 |
| 304732963 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304754653 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| 304777983 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304814801 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.230% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 304816451 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.500% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.30 |
| 304766797 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 304823189 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304838897 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304827579 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.60 |
| 304833160 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304822900 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304828398 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304840494 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| 304826806 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| 304846503 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.90 |
| 304840162 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304839461 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304840493 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| 304838982 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
| 304819629 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304847018 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 304840796 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304840498 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 304820288 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304846297 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 304847019 |  |  |  |  |  |  | 26.880% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 3.130% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| 304840235 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 304828154 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 25.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304850802 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304834700 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| 304841545 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 304850686 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304841532 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.290% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.290% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304843376 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| 304838859 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.80 |
| 304843858 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304855005 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.50 |
| 304856893 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.30 |
| 304840998 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.060% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304843272 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.330% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.50 |
| 304840514 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.00 |
| 304845349 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304846823 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304841529 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.50 |
| 304846834 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.00 |
| 304860202 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304840413 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304840904 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.60 |
| 304844520 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 304865396 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 5.00 |
| 304860245 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| 304860467 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 304871623 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304858371 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.50 |
| 304869207 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| 304860869 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 304843805 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.30 |
| 304823228 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.370% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.50 |
| 304874134 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 304869409 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 304871635 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304869996 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.820% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.10 |
| 304869997 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.20 |
| 304860246 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 |
| 304873992 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 304874375 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.50 |
| 304854999 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304860477 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.540% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.00 |
| 304868218 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304875239 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304874721 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304848644 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 304889651 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.30 |
| 304846288 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| 304896839 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 304889375 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.130% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.130% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304861519 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.540% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 304856526 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
| 304874374 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 304876565 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 304879082 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304892354 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.20 |
| 304861529 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| 304862225 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 304889703 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.840% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872131 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
| 304888297 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304872015 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| 304874783 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.910% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872553 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.90 |
| 304894610 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.540% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 304892051 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.80 |
| 304871438 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.600% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304867566 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 304858924 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304874386 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 304893874 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.710% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304874140 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304862180 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304891181 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 304896888 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304893027 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304856342 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| 304893394 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 304871970 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304861656 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |  |
| 304862371 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |  |
| 304823098 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304891069 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304874895 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.030% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304873081 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| 304854998 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 304872116 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304865102 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| 304870062 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| 304873864 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 304872043 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| 304858378 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 304874921 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 304874129 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
| 304872115 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304858350 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.30 |
| 304896343 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304892934 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 304873074 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304894680 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 304876553 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304865179 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 304874850 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |

---

## Exhibit 99.6

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

**Exhibit 99.6**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association through a bulk purchase. The review included a total of sixty residential mortgage loans, in connection with the securitization identified as JPMMT 2026-2 (the "Securitization"). The Review was conducted in November 2025 and January 2026 on mortgage loans originated between November 2025 and December 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

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

● Validate subject loan monthly payment (PITI) and associated obligations

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

● Validate monthly recurring liabilities

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

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

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

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (60 loans in total):

Twenty-two (22) loans had a Desktop Review, and seven (7) loans had an AVM. Consolidated Analytics has independent access to the Desktop Review ordered by the Aggregator.

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

There was one (1) occurrence of this.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the sixty (60) mortgage loans reviewed, fifty (50) unique mortgage loans (83.33% by loan count) had a total of eighty-one (81) tape discrepancies across fifteen (15) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Total Qualified Assets Post-Close | &nbsp;&nbsp;37 | &nbsp;&nbsp;45.68% |
| &nbsp;&nbsp;Total Monthly Property Insurance Amount | &nbsp;&nbsp;11 | &nbsp;&nbsp;13.58% |
| &nbsp;&nbsp;Percent of Borrower's Funds for Down Payment | &nbsp;&nbsp;8 | &nbsp;&nbsp;9.88% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;6 | &nbsp;&nbsp;7.41% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.94% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Lock Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.47% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.47% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.47% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**81** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 50 | $73957889.00 | 83.33% |
| Event Grade B | 10 | $13624599.00 | 16.67% |

---

---

| | | | |
|:---|:---|:---|:---|
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 60 | $87582488.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 60 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 60 | 100.00% |
| <br> **Compliance Results:** | <br> **Compliance Results:** | <br> **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 50 | 83.33% |
| Event Grade B | 10 | 16.67% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 60 | 100.00% |
| <br> **Valuation Results:** | <br> **Valuation Results:** | <br> **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 58 | 96.67% |
| Event Grade B | 2 | 3.33% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 60 | 100.00% |

---

 **Exception Category Summary**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;42 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;4 |
|  |  | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;AUS Partially Provided | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Asset 7 Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing final HUD-1 from sale of non-subject property | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;AUS Not Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Taxpayer First Act Disclosure | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;No evidence of required debt payoff | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 7 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Other Property Insurance Policy Effective Date is after the Disbursement date | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;The Deed of Trust is Not Executed | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;SCIF Document Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 9 Expired | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Flood Certificate Partially Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**80** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;41 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;The Note is Not Executed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**59** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**10** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;56 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**60** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Second Appraisal is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**2** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |

---

---

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

---

---

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

---

## Exhibit 99.7

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

**Exhibit 99.7**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 304874298 | XXXXX |  |  | Loan Amount | $XXXXXX | $XXXXXX | matches XXX DU and Lender |
| 304874298 | XXXXX |  |  | Qualifying CLTV | XXX | XXX | matches XXX DU and Lender |
| 304874298 | XXXXX |  |  | Qualifying LTV | XXX | XXX | matches XXX DU and Lender |
| 304892059 | XXXXX |  |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | Per assets Statements. |
| 304892059 | XXXXX |  |  | Property Type | XXX | XXX | Updated per the Appraisal |
| 304892059 | XXXXX |  |  | Qualifying Total Debt Income Ratio | XXX | XXX | Value reflects the Debt-to-Income (DTI) ratio as assessed by audit, which includes monthly liabilities, the mortgage payment for the primary residence, and the new proposed mortgage payment for the subject property, rent losses for land property divided by the qualifying income derived from a base salary and partnership income for B1and B2. |
| 304904659 | XXXXX |  |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | Per assets Statements. |
| 304875923 | XXXXX |  |  | Primary Appraised Property Value | $XXX | $XXX | Per Appraisal. |
| 304898440 | XXXXX |  |  | Borrower 1 Self-Employment Flag | XXX | XXX | Updated to reflect S/E for B1 2nd job |
| 304898440 | XXXXX |  |  | Total Monthly Property Insurance Amount | $XXX | $XXX | Updated to include fire insurance premium |
| 304898440 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Updated assets per asset Statements |
| 304874916 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Updated assets per asset Statements |
| 304876564 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | XXX is audit verified assets post close. XXX is the lender verified assets prior to close. |
| 304907293 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Post Closing Assets |
| 304896769 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Data mismatch reserves versus total assets. |
| 304876540 | XXXXX |  |  | Total Monthly Property Insurance Amount | $XXX | $XXX | XXX per the dec page and the final CD. |
| 304876540 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | XXX is assets post closing. XXX is prior to closing. |
| 304892930 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Per Assets. |
| 304892929 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Total Qualified Assets Post-Close- Confirm via Bank Statements |
| 304903244 | XXXXX |  |  | Borrower 1 Self-Employment Flag | XXX | XXX | Per documents provided |
| 304903244 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Post Closing Funds |
| 304896419 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Per Assets. |
| 304893028 | XXXXX |  |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI on AUS is cut off. Auditor obtained DTI from XXX which is within tolerance - XXX%. Variance from XXX is due to additional debts XXX however Auditor calculated credit debts of XXX and negative net rental of XXX from mtg Statement. |
| 304893028 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | XXX represents assets post close |
| 304872653 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | XXX represents funds remaining |
| 304877982 | XXXXX |  |  | Total Monthly Property Insurance Amount | $XXX | $XXX | XXX includes flood and hazard |
| 304877982 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Qualified assets per bank Statement |
| 304897259 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | see asets and LP |
| 304892653 | XXXXX |  |  | Total Monthly Property Insurance Amount | $XXX | $XXX | Updated Hazard Policy. |
| 304892653 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Post Closing Funds |
| 304876543 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | XXX in verified assets |
| 304897099 | XXXXX |  |  | Total Monthly Property Insurance Amount | $XXX | $XXX | Verified by the HOI |
| 304897099 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Verified by the bank Statements |
| 304889372 | XXXXX |  |  | Total Monthly Property Insurance Amount | $XXX | $XXX | Verified by the HOI |
| 304889372 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Verified by the asset Statements |
| 304893026 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | After completing the audit, true data is accurate |
| 304896234 | XXXXX |  |  | Qualifying FICO | XXX | XXX | Per Credit Report |
| 304896234 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | True Data reflects the dollar figure for reserves according to the bank Statement(s) balance(s) provided and the net proceeds at the time of consummation. |
| 304908723 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | assets reflect docs in file |
| 304877974 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Entered as provided on asset documentation |
| 304893752 | XXXXX |  |  | Qualifying Total Debt Income Ratio | XXX | XXX | All figures match XXX however ratios do not |
| 304893752 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Per documentation |
| 304865385 | XXXXX |  |  | Total Monthly Property Insurance Amount | $XXX | $XXX | Verified by the HOI |
| 304865385 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Verified by the bank Statements |
| 304893024 | XXXXX |  |  | Borrower 1 Citizen | XXX | XXX | XXXhip updated per XXX Patriot Act and ID provided |
| 304893024 | XXXXX |  |  | Borrower 2 Self-Employment Flag | XXX | XXX | B2 is a wage earner and has no ownership interest in the business per tax returns provided |
| 304893024 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Total assets available updated per bank Statements provided |
| 304893992 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Based on the audit, true data is accurate |
| 304909449 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Verified by the bank Statement |
| 304904631 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Assets are confirmed. |
| 305012723 | XXXXX |  |  | Lock Date | XXX | XXX | Per lock confirmation. |
| 305012723 | XXXXX |  |  | Property Type | XXX | XXX | Updated per the Appraisal |
| 304904286 | XXXXX |  |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | Per assets Statements. |
| 304879061 | XXXXX |  |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | Per assets Statements. |
| 304889952 | XXXXX |  |  | Lock Date | XXX | XXX | Per lock confirmation. |
| 304889952 | XXXXX |  |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | Per assets Statements. |
| 304889592 | XXXXX |  |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | Per assets Statements. |
| 304889592 | XXXXX |  |  | Property Type | XXX | XXX | Updated as per the Appraisal |
| 304889592 | XXXXX |  |  | Qualifying FICO | XXX | XXX | Updated as per the Credit Report |
| 305012467 | XXXXX |  |  | Qualifying FICO | XXX | XXX | Per Credit Report |
| 305024773 | XXXXX |  |  | Borrower 1 FTHB | XXX | XXX | Confirmed FTHB |
| 305024773 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Confirmed assets via documents and AUS |
| 305024772 | XXXXX |  |  | Total Monthly Property Insurance Amount | $XXX | $XXX | Per Tax. |
| 305024772 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Per Assets.. |
| 305024770 | XXXXX |  |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is lower but it is not calculating the neg rent properly |
| 305024770 | XXXXX |  |  | Total Monthly Property Insurance Amount | $XXX | $XXX | Verified by the HOI |
| 305024770 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Assets have been updated to reflect XXX% for XXX accts etc. |
| 305024769 | XXXXX |  |  | Total Monthly Property Insurance Amount | $XXX | $XXX | Confirmed HOI payment with Declaration page |
| 305024769 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Confirmed assets and match AUS and Final 1003. |
| 305024768 | XXXXX |  |  | Total Monthly Property Insurance Amount | $XXX | $XXX | per Hazard Insurance doc in file |
| 305024768 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | per Asset docs in file |
| 304893964 | XXXXX |  |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | Per assets Statements. |
| 304893964 | XXXXX |  |  | Property Type | XXX | XXX | Update as per Appraisal document |
| 304893964 | XXXXX |  |  | Qualifying Total Debt Income Ratio | XXX | XXX | The DTI matches the XXX with a slight variance due to a tax amount mismatch on the XXX However, the Final 1003 Lender Loan Information reflects the correct tax amount. |
| 304893958 | XXXXX |  |  | Qualifying Total Debt Income Ratio | XXX | XXX | audit value matches XXX/AUS within tolerance |
| 304911446 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Total Qualified Assets post close due to reserve requirement of XXX% of the aggregate UPB (one to four financed properties), not inclusive of the borrower's primary residence or the subject property. |
| 304911445 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Assets entered as verified via loan documents |
| 304905136 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | The borrowers qualified assets of XXX does not include required reserve amount of $XXX. |
| 304911443 | XXXXX |  |  | Total Qualified Assets Post-Close | XXX | XXX | Per asset Statements provided, available assets have been updated |
| 304874387 | XXXXX |  |  | Loan Amount | $XXXXXX | $XXXXXX | XXX confirmed on Note |
| 304874387 | XXXXX |  |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | Per assets Statements. |

---

## Exhibit 99.8

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

**Exhibit 99.8**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **Customer Loan ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
| XXX | XXXXX | 304874298 | FCOM5135 | 12/03/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | Please cancel, we do not test for ABA unless the doc is in the file and does meet timing. If you cannot cancel, please acknowledge as non-material. | Investor Acknowledges exception | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.37% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.37% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | No B |
| XXX | XXXXX | 304874298 | FCRE1185 | 12/03/2025 | Credit | Missing Doc | AUS Partially Provided | Updated AUS Approve/Ineligible due to XXX only. Current AUS shows additional Risk for required funds for closing. |  |  |  | Rescinded |  | A |
| XXX | XXXXX | 304874298 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated LTV of 69.29% is less than Guideline LTV of 69.29% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.29% is less than Guideline LTV of 69.29% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304874298 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated LTV of 69.29% is less than Guideline LTV of 69.29% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.29% is less than Guideline LTV of 69.29% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304892059 | FCOM5135 | 12/03/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | Please cancel, we do not test for ABA unless the doc is in the file and does meet timing. If you cannot cancel, please acknowledge as non-material. | Investor Acknowledges exception | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No B |
| XXX | XXXXX | 304892059 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304892059 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304904659 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304904659 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304904659 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304875923 | FCOM9186 | 12/19/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before XX/XX/XXXX. E-Consent in loan file does not indicate when borrower agreed to receive documents. | econsent | Evidence of eConsent is provided.; Received e-consent | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.29% is less than Guideline CLTV of 69.29% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.29% is less than Guideline CCLTV of 69.29% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/19/2025 | B A |
| XXX | XXXXX | 304875923 | FCRE8999 | 12/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 59.7% is less than Guideline CLTV of 59.7% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 59.7% is less than Guideline CCLTV of 59.7% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304875923 | FPRO8998 | 12/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 59.7% is less than Guideline CLTV of 59.7% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 59.7% is less than Guideline CCLTV of 59.7% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304898440 | FCRE7497 | 12/05/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide missing evidence of property taxes for both XXX and XXX properties. | Please see attached property detail reports for both. | Documentation is sufficient. Property detail report provided. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.7% is less than Guideline LTV of 59.7% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.7% is less than Guideline LTV of 41.97% | Resolved | 12/05/2025 | D A |
| XXX | XXXXX | 304898440 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated LTV of 41.97% is less than Guideline LTV of 41.97% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.97% is less than Guideline LTV of 41.97% | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304898440 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated LTV of 41.97% is less than Guideline LTV of 41.97% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.97% is less than Guideline LTV of 41.97% | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304876555 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.97% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.97% is less than Guideline CLTV of 75% | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304876555 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.76% is less than Guideline LTV of 58.76% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.76% is less than Guideline CLTV of 58.76% | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304876555 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.76% is less than Guideline LTV of 58.76% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.76% is less than Guideline CLTV of 58.76% | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304874916 | FCOM3849 | 12/07/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Provide evidence that consumer received a copy of the appraisal at least XXX-business days prior to the consummation date. | Please see attached appraisal delivery report. | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.76% is less than Guideline CLTV of 58.76% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.76% is less than Guideline CCLTV of 58.76% | Resolved | 12/07/2025 | B A |
| XXX | XXXXX | 304874916 | FCOM9186 | 12/07/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The e-consent date provided States "pending" | Please see attached proof of econsent. | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 60.94% is less than Guideline CLTV of 60.94% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 60.94% is less than Guideline CCLTV of 60.94% | Resolved | 12/07/2025 | B A |
| XXX | XXXXX | 304874916 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 60.94% is less than Guideline CLTV of 60.94% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 60.94% is less than Guideline CCLTV of 60.94% | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304874916 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 60.94% is less than Guideline CLTV of 60.94% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 60.94% is less than Guideline CCLTV of 60.94% | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304876564 | FCRE1186 | 12/30/2025 | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% | lox rebuttal | ; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%. LP approved at XXX%; variance due to rounding. Condition rescinded. |  | Rescinded |  | A |
| XXX | XXXXX | 304876564 | FCRE1184 | 12/30/2025 | Credit | Missing Doc | AUS Not Provided | Missing AUS Missing LPA Approval. LPA Accept per XXX | LP findings | Documentation is sufficient. AUS provided. Exception resolved.; AUS is not missing | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/30/2025 | D A |
| XXX | XXXXX | 304876564 | FCRE7497 | 12/15/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation to support Taxes, insurance and HOA in the amount of XXX for XXX XXX. The mortgage Statement does not provide sufficient evidence to support the mortgage is escrowed. | taxes insur hoa for XXX XXX--totals XXX | Documentation is sufficient. Tax cert, HOA document and Hazard policy provided. Exception resolved. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/15/2025 | D A |
| XXX | XXXXX | 304876564 | FCOM9186 | 12/13/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing for the initial disclosures e signed by the Borrower 1 XX/XX/XXXX or prior. | ECONSENT | Evidence of eConsent is provided. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/13/2025 | B A |
| XXX | XXXXX | 304876564 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304907293 | finding-3634 | 12/10/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Please see attached LE dated XX/XX/XXXX disclosing the appraisal fees of XXX + XXX | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved; TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. Tolerance cure in the amount of XXX is a result of the addition of an Appraisal fee on XX/XX/XXXX. There is a COC in file dated XX/XX/XXXX reflecting the change, however it was not disclosed until the initial Cd which is more than XXX days after the COC | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/10/2025 | C A |
| XXX | XXXXX | 304907293 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304907293 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304896769 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304896769 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304896769 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304876540 | FCRE8999 | 11/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304876540 | FPRO8998 | 11/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304876540 | FCOM8997 | 11/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304892930 | FCOM8997 | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304892930 | FCRE8999 | 12/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304892930 | FPRO8998 | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304892929 | FCOM8997 | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.94% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.94% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304892929 | FPRO8998 | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 49.21% is less than Guideline LTV of 49.21% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.21% is less than Guideline LTV of 49.21% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304892929 | FCRE8999 | 12/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 49.21% is less than Guideline LTV of 49.21% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.21% is less than Guideline LTV of 49.21% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304903244 | FCOM8997 | 12/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.21% is less than Guideline CLTV of 49.21% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.21% is less than Guideline CCLTV of 49.21% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304903244 | FPRO8998 | 12/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.54% is less than Guideline CLTV of 78.54% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 78.54% is less than Guideline CCLTV of 78.54% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304903244 | FCRE8999 | 12/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.54% is less than Guideline CLTV of 78.54% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 78.54% is less than Guideline CCLTV of 78.54% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304896419 | FCRE8999 | 12/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.54% is less than Guideline CLTV of 78.54% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 78.54% is less than Guideline CCLTV of 78.54% | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304896419 | FCOM8997 | 12/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.54% is less than Guideline CLTV of 78.54% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 78.54% is less than Guideline CCLTV of 78.54% | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304896419 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.54% is less than Guideline CLTV of 78.54% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 78.54% is less than Guideline CCLTV of 78.54% | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304893028 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304893028 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304893028 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304872653 | FCOM8997 | 12/02/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304872653 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304872653 | FCRE8999 | 12/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304877982 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304877982 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304877982 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304897259 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304897259 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304897259 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304892653 | FCRE8999 | 12/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304892653 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304892653 | FCOM8997 | 12/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304876543 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.54% is less than Guideline LTV of 78.54% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.54% is less than Guideline LTV of 71.08% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304876543 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 71.08% is less than Guideline LTV of 71.08% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.08% is less than Guideline LTV of 71.08% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304876543 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 71.08% is less than Guideline LTV of 71.08% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.08% is less than Guideline LTV of 71.08% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304897099 | FCRE7496 | 12/19/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Need explanation/documentation for other payment listed on the 1003 and AUS for $XXX. | XX/XX/XXXX - XXX: The other payment of XXX is tied to the borrower's supplement HOI policy via XXX. Please see the attached policy reflecting an annual premium of XXX | Documentation is sufficient. Additional policy provided. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/19/2025 | D A |
| XXX | XXXXX | 304897099 | FPRO8998 | 12/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304897099 | FCOM8997 | 12/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304889372 | FCRE1186 | 12/16/2025 | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% DTI is over the XXX% limit. Borrower's income per documentation provided in the file is XXX monthly resulting in the higher DTI calculation. The AUS States the income is $XXX. Documentation to support the higher income amount is required. | XX/XX/XXXX XXX: We agree with the XXX per monthnth wage income, however XXX does not appear to be account for the subject property rental income of XXX | Documentation is sufficient. Rental income from subject added. Exception resolved.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/16/2025 | C A |
| XXX | XXXXX | 304889372 | FCRE1193 | 12/16/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI is over the XXX% limit. Borrower's income per documentation provided in the file is XXX monthly resulting in the higher DTI calculation. The AUS States the income is $XXX. Documentation to support the higher income amount is required. | XX/XX/XXXX XXX: We agree with the XXX per monthnth wage income, however XXX does not appear to be account for the subject property rental income of XXX | Documentation is sufficient. Rental income from subject added. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/16/2025 | C A |
| XXX | XXXXX | 304889372 | FPRO9990 | 12/16/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | XXX XX/XX/XXXX: Please clarify the docID reflecting the increased AVM fee so we can better asssist // | Documentation is sufficient. AVM in file within tolerance. Exception rescinded.; Third party valuation product provided within tolerance. |  | Rescinded |  | A |
| XXX | XXXXX | 304889372 | FCOM3849 | 12/04/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. ((12 CFR ##_XXX_##(ii)). The borrower signed the appraisal waiver, but there is no documentation confirming they received a copy at closing. Provide evidence when the report was delivered to confirm timing requirements were met. | XXX XX/XX/XXXX Disagree - Our Contract States that XXX will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached documents which shows the borrower received the Appraisal on XX/XX/XXXX | Evidence of appraisal delivery provided. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/04/2025 | B A |
| XXX | XXXXX | 304889372 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304893026 | FCRE0377 | 12/10/2025 | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). | XX/XX/XXXX - XXX: Please see the attached documentation from XXX reflecting an estimated replacement cost of $XXX. | Documentation is sufficient. Coverage is adequate. Exception rescinded.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount |  | Rescinded |  | A |
| XXX | XXXXX | 304893026 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.08% is less than Guideline CLTV of 71.08% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.08% is less than Guideline CCLTV of 71.08% | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304893026 | FCOM8997 | 12/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 70% | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304896234 | FCOM8997 | 12/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline CLTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CCLTV of 70% | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304896234 | FCRE8999 | 12/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 77.22% is less than Guideline CLTV of 77.22% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 77.22% is less than Guideline CCLTV of 77.22% | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304896234 | FPRO8998 | 12/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 77.22% is less than Guideline CLTV of 77.22% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 77.22% is less than Guideline CCLTV of 77.22% | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304908723 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.22% is less than Guideline LTV of 77.22% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.22% is less than Guideline CLTV of 78.55% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304908723 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.55% is less than Guideline CLTV of 78.55% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.55% is less than Guideline CLTV of 78.55% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304908723 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.55% is less than Guideline CLTV of 78.55% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.55% is less than Guideline CLTV of 78.55% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304877974 | FCRE1173 | 12/08/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy Missing XXX HOA master hazard policy. | This is a XXX unit XXX project. Each unit owner carries their own full HO-XXX policy, there is no master policy and nother further should be required per FNMA requirements | Documentation is sufficient. H03 provided, H06 not required. Exception rescinded. ; HO-6 Master Insurance Policy is fully present |  | Rescinded |  | A |
| XXX | XXXXX | 304877974 | FCOM8997 | 12/02/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.55% is less than Guideline CLTV of 90% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.55% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304877974 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 70.71% is less than Guideline LTV of 70.71% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70.71% is less than Guideline LTV of 70.71% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304893752 | finding-3634 | 12/07/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to (12 CFR ##_XXX_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required: Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Trust Review Fee. The addition of the Trust Review Fee on the LE dated XX/XX/XXXX was not accepted. | Trust review COC | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/07/2025 | C A |
| XXX | XXXXX | 304893752 | FCRE8999 | 12/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304893752 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304865385 | FCOM8997 | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304865385 | FCRE8999 | 12/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304865385 | FPRO8998 | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304893024 | finding-3634 | 12/19/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to (12 CFR ##_XXX_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | XXX XX/XX/XXXX Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. | Cure package provided, exception downgraded to a 2/B; Cure package provided, exception downgraded to a 2/B; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for Administration Fee from LE XX/XX/XXXX to LE XX/XX/XXXX | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Cured |  | C B |
| XXX | XXXXX | 304893024 | FCRE8999 | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304893024 | FPRO8998 | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304893992 | FPRO9990 | 12/18/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | XXX XX/XX/XXXX Disagree - All title fees are not subject to tolerance as the borrower chose a title service provider that was not on the SPL. TRID XX/XX/XXXX clarified in the Commentary to TILA XXX(e)(XXX)(ii) XXX that this is true even if a fee was omitted from the initial LE. | Invalid finding. Image file includes XXX AVM which satisfied TPV requirement. Condition rescinded.; Looking for a third party valuation of the property, such as an AVM. Exception remains. |  | Rescinded |  | A |
| XXX | XXXXX | 304893992 | FCOM8997 | 12/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70.71% is less than Guideline CLTV of 70.71% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.71% is less than Guideline CCLTV of 70.71% | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304893992 | FCRE8999 | 12/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 65% | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304909449 | FCOM8997 | 12/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304909449 | FCRE8999 | 12/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304909449 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304904631 | FCRE1199 | 12/17/2025 | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited XXX of XXX is greater than the Guideline Maximum XXX of XXX | XX/XX/XXXX XXX: This is a XXX, Max XXX is XXX not XXX | Documentation is sufficient. XXX within guidelines. Exception rescinded.; Audited XXX of XXX is less than or equal to the Guideline Maximum XXX of XXX |  | Rescinded |  | A |
| XXX | XXXXX | 304904631 | FCOM8997 | 12/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304904631 | FCRE8999 | 12/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304904631 | FPRO8998 | 12/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304893430 | FCOM8997 | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304893430 | FCRE8999 | 12/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304893430 | FPRO8998 | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304893400 | finding-3532 | 12/07/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[(12 CFR ##_XXX_##(ii))]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: Proof of delivery/receipt of Initial CD at least XXX days prior to closing. | Document Uploaded. CD Viewed XX/XX/XXXX | Initial CD receipt date provided; exception resolved; Initial CD receipt date provided; exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/07/2025 | C A |
| XXX | XXXXX | 304893400 | FCRE1204 | 12/05/2025 | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts The file is missing the XXX searches for XXX (selling agent) and XXX (buyer agent) as well as documentation resolving the XXX hit for XXX(escrow officer) referenced in the Fraud Report on page XXX | Document Uploaded. | All Fraud Report Alerts have been cleared or None Exist; XXX provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | C A |
| XXX | XXXXX | 304893400 | FCOM5135 | 12/03/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | Please cancel, we do not test for ABA unless the doc is in the file and does meet timing. If you cannot cancel, please acknowledge as non-material. | Investor Acknowledges exception | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No B |
| XXX | XXXXX | 304893400 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 305012723 | FPRO3678 | 12/04/2025 | Property | Property Issue | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Zoning for this property is Low Density Mixed use: Maximum XXX Dwelling Units Per Acre. Mixed use properties are ineligible. | Document Uploaded. Investor Approved Exception | Exception for Mixed use zoning. Ineligible property. Investor acknowledges the exception. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes C B |
| XXX | XXXXX | 305012723 | FCOM5135 | 12/03/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | The ABA in file is for the Real EState Broker. Please cancel. If the condition cannot be cancelled, please close out and acknowledge as non-material. We do not test for ABA unless a Lender/Broker ABA is in the file and timing is not met. |  | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No B |
| XXX | XXXXX | 305012723 | finding-3532 | 12/03/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[12 CFR ##_XXX_##(ii))]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: Proof of delivery/receipt of Initial CD at least XXX days prior to closing. | Document Uploaded. Initial CD provided. | Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | C A |
| XXX | XXXXX | 305012723 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 305012723 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304963606 | FCRE8999 | 12/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304963606 | FCOM8997 | 12/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304963606 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304874142 | FCOM8997 | 12/01/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304874142 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304874142 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304904286 | FCRE1479 | 12/11/2025 | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. AUS requires a two month period to validate Approve/Eligible Recommendation. | Document Uploaded. ; Document Uploaded. | Asset Record XXX Meets G/L Requirements; Provide XXX Statement for Acct #XXX due to both uploads were a copy of XX/XX/XXXX AUS findings.; Received AUS findings dated XX/XX/XXXX under Assets #XXX., which indicates a two-month period is required. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/11/2025 | C A |
| XXX | XXXXX | 304904286 | FCRE1347 | 12/11/2025 | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing B1 and B2 verification of current employment dated within XXX days prior to the Note date was not provided at the time of audit review. |  | PS valid to use per AUS; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) |  | Rescinded |  | A |
| XXX | XXXXX | 304904286 | finding-3634 | 12/08/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to 12 CFR ##_XXX_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to 12 CFR ##_XXX_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Corrected LE Receipt date; exception resolved Corrected LE Receipt date; exception resolved |  |  |  | Rescinded |  | C A |
| XXX | XXXXX | 304904286 | FCOM1252 | 12/08/2025 | Compliance | Missing Doc | TRID: Missing Loan Estimate | Missing initial LE | Document Uploaded. LE's re-uploaded; LEs | LE provided; Exception resolved; No LEs attached, please re-upload | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/08/2025 | D A |
| XXX | XXXXX | 304904286 | finding-3532 | 12/07/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. Additional conditions may apply. This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[12 CFR ##_XXX_##(ii))]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Initial CD | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/07/2025 | C A |
| XXX | XXXXX | 304904286 | FCRE1316 | 12/03/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing B1 and B2 verification of current employment dated within XXX days prior to the Note date was not provided at the time of audit review. |  | PS valid to use per AUS; Borrower 1 3rd Party VOE Prior to Close Was Provided |  | Rescinded |  | A |
| XXX | XXXXX | 304904286 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304879061 | finding-3634 | 12/04/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | TILA 130b Cure required. Refund in the amount of XXX cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fee addition: - An Appraisal Desk Review Fee of XXX was added to the revised LE dated XX/XX/XXXX. The file contains a COC dated XX/XX/XXXX, which reflected that the rate was locked, along with "Desk Review fee of $XXX." The COC does not provide a clear reason for the addition of this fee. This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to 12 CFR ##_XXX_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Loan locked with XXX XX/XX/XXXX, Desk review required. | Lender confirmed appraisal review was required due to the locking with investor; exception resolved; Lender confirmed appraisal review was required due to the locking with investor; exception resolved | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/04/2025 | C A |
| XXX | XXXXX | 304879061 | FCOM5135 | 12/03/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | Please cancel, we do not test for ABA unless the doc is in the file and does meet timing. If you cannot cancel, please acknowledge as non-material. | Investor Acknowledges exception | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
| XXX | XXXXX | 304879061 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304879061 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304889952 | FPRO1243 | 12/12/2025 | Property | Missing Doc | Second Appraisal is Missing | Second Appraisal Is Required and is Missing. XXX v13 guidelines Section XX/XX/XXXX requires a 2nd full appraisal for XXX greater than XXX The 2nd appraisal was not found in the file. | Document Uploaded. | XXX Exception provided: We acknowledge the exception to use XXX appraisal and CDA. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes D B |
| XXX | XXXXX | 304889952 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304889952 | FCOM5135 | 12/03/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. |  | Investor Acknowledges exception; Investor acknowledged exception | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
| XXX | XXXXX | 304889592 | FCRE4963 | 12/11/2025 | Credit | Debt | No evidence of required debt payoff | Debts paid on CD from Sale of Home, no evidence of debts paid by others | see HUD from sale | Document provided supports borrower's net proceeds from sale of property supports both XXX accounts were paid in full. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/11/2025 | C A |
| XXX | XXXXX | 304889592 | FCRE2371 | 12/11/2025 | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Seller CD or HUD Settlement Statement required | Document Uploaded. | Document provided supports borrower's net proceeds from sale of property supports both XXX accounts were paid in full. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/11/2025 | D A |
| XXX | XXXXX | 304889592 | FCOM3849 | 12/10/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR ##_XXX_##(ii)). The document in file indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation since they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Please acknowledge as non material B grade exception - Lender acknowledged | Lender acknowledged | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No B |
| XXX | XXXXX | 304889592 | FPRO9990 | 12/08/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  | ; Third party valuation product provided within tolerance. |  | Rescinded |  | A |
| XXX | XXXXX | 304872509 | FCRE0382 | 12/09/2025 | Credit | Data | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Assets were not disclosed on file | Document Uploaded. Borrower assets documentation | ; ; Funds are found to meet guidelines.; Received XXX quarterly Statement. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304872509 | FCRE3860 | 12/09/2025 | Credit | Missing Doc | SCIF Document Missing | This loan is an Risk Assesment is: (LP) with an application date of: (XX/XX/XXXX) which is after XXX XXX or this is an FHA loan with an application date after XXX XXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. Provide SCIF Form Document | Document Uploaded. SCIF for all borrowers | This Supplemental Consumer Information Form is Present.; Received SCIF. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2025 | D A |
| XXX | XXXXX | 304872509 | FCOM3849 | 12/09/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR ##_XXX_##(ii)). The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least XXX-business days prior to consummation date XX/XX/XXXX. | Document Uploaded. Proof of appraisal delivery | Evidence of appraisal delivery provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2025 | B A |
| XXX | XXXXX | 304872509 | FCOM9186 | 12/09/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The e-Signed documents consent is missing. The first e-signed document in the file is dated XX/XX/XXXX. The file did not contain any e-consents. Please provide an e-consent dated XX/XX/XXXX or before. | Document Uploaded. | Evidence of eConsent is provided. The eSigned documents consent is missing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2025 | B A |
| XXX | XXXXX | 304872509 | FCRE1491 | 12/09/2025 | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements | Document Uploaded. Borrower asset documentation | Asset Qualification Meets Guideline Requirements; Received XXX quarterly Statement. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2025 | C A |
| XXX | XXXXX | 304872509 | FCRE1201 | 12/09/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Fraud Report | Document Uploaded. Fraud report for borrowers | ; Third Party Fraud Report is provided; Driver Report provided |  | Rescinded |  | A |
| XXX | XXXXX | 304872509 | finding-3635 | 12/08/2025 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR ##_XXX_##(ii))]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. Because the file is missing the SSPL fees in Section C were subject to XXX% tolerance. The changes resulted in the threshold to go above allowable tolerance. The defect may be resolved by providing the missing document. | Document Uploaded. | SSPL provided; Exception resolved; SSPL provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/08/2025 | C A |
| XXX | XXXXX | 304872509 | FCOM5135 | 12/05/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The file is missing the ABD. The defect can be cured by providing the disclosure within XXX days of the loan application. |  | Investor acknowledges exception.; Informational Only; Investor acknowledges exception. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
| XXX | XXXXX | 304872509 | FPRO3678 | 12/05/2025 | Property | Property Issue | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. XXX exceeds the maximum loan limit of XXX for a XXX Unit property in XXX in XXX |  | ; The issue with the property has been resolved. |  | Rescinded |  | A |
| XXX | XXXXX | 304872509 | FCOM3592 | 12/05/2025 | Credit | Missing Doc | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. Provide Taxpayer Consent |  | ; Taxpayer First Act Disclosure is provided |  | Rescinded |  | A |
| XXX | XXXXX | 304872117 | FCRE1162 | 12/17/2025 | Credit | Missing Doc | Flood Certificate Partially Provided | Flood Certificate is Partially Provided Provide update Flood cert with address that matches note. Per note, XXX XXX Flood cert reflects XXX XXX | Document Uploaded. | Flood Certificate is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline CLTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 880% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | D A |
| XXX | XXXXX | 304872117 | FCRE1185 | 12/11/2025 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided #XXX to be removed | Document Uploaded. ; Document Uploaded. | AUS is not incomplete; Received updated DU findings.; | Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.08% is less than Guideline CLTV of 62.08% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 62.08% is less than Guideline CLTV of 62.08% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/11/2025 | D A |
| XXX | XXXXX | 304872117 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.08% is less than Guideline CLTV of 62.08% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 62.08% is less than Guideline CLTV of 62.08% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304872117 | FCOM8997 | 12/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.08% is less than Guideline CLTV of 62.08% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 62.08% is less than Guideline CLTV of 62.08% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304898406 | FCRE1201 | 12/08/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Program guidelines require a XXX report which will include a loan-level information on valuation, fraud detection and include a comparison of all participant names against industry watch and exclusionary lists such as XXX. | Document Uploaded. The Fraud Report for all XXX borrowers was included in the original file Pages XXX-XXX. Please review and clear. | ; Third Party Fraud Report is provided |  | Rescinded |  | A |
| XXX | XXXXX | 304898406 | FCOM8997 | 12/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/04/2025 | A |
| XXX | XXXXX | 304898406 | FPRO8998 | 12/04/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/04/2025 | A |
| XXX | XXXXX | 305012467 | FCRE8999 | 12/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 305012467 | FPRO8998 | 12/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 305012467 | FCOM8997 | 12/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 305024773 | FCOM1207 | 01/09/2026 | Compliance | Closing | The Note is Not Executed | The Note is Not Executed Both Notes in the loan file are not signed by the borrowers. | XXX Note \| | The Note is Executed | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/09/2026 | C A |
| XXX | XXXXX | 305024773 | FCOM1223 | 01/08/2026 | Credit | Closing | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed The Deed of Trust is Not Executed | XXX DoT | The Deed of Trust is Executed | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/08/2026 | D A |
| XXX | XXXXX | 305024773 | FPRO8998 | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 305024772 | FCOM8997 | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 305024772 | FCRE8999 | 12/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 305024772 | FPRO8998 | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 305024770 | FCRE1451 | 01/14/2026 | Credit | Assets | Asset 9 Expired | Asset 9 Expired The Life Insurance with XXX Statement dated XX/XX/XXXX is more than XXX days from the Note date XX/XX/XXXX. Funds being utilized for reserves. An updated Statement required to utilize funds. | XXX overview provided previously | Documentation is sufficient. Updated Statement provided. Exception resolved.; Asset 9 Not Expired Or Not Applicable | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/14/2026 | C A |
| XXX | XXXXX | 305024770 | FCRE1178 | 01/14/2026 | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Disbursement date | Other Property Insurance Policy Effective Date of XX/XX/XXXX is after the Disbursement date of XX/XX/XXXX Per HOI #XXX the effective date is correct at XX/XX/XXXX-XX/XX/XXXX | Fire Insurance effective date XX/XX/XXXX | Documentation is sufficient. Policy in effect at time of closing. Exception resolved.; Other Property Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement date of XX/XX/XXXX Or Other Property Insurance Policy Effective Date Is Not Provided | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/14/2026 | C A |
| XXX | XXXXX | 305024770 | FCRE1159 | 01/14/2026 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Per HOI # XXX the effective date is correct at XX/XX/XXXX-XX/XX/XXXX |  | Documentation is sufficient. Policy effective date as of closing. Exception resolved.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/14/2026 | C A |
| XXX | XXXXX | 305024770 | FCRE7497 | 01/14/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing Property Tax supporting documentation ; XXX XXX, XXX XXX | Tax Info | Documentation is sufficient. Property profiles provided. Exception resolved. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/14/2026 | D A |
| XXX | XXXXX | 305024770 | FCRE1316 | 01/14/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Business search previously provided | Documentation is sufficient. Business Search provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/14/2026 | D A |
| XXX | XXXXX | 305024770 | FCRE1201 | 01/12/2026 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Provided in original submission | Documentation provided is sufficient. Exception resolved. ; Third Party Fraud Report is provided | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/12/2026 | D A |
| XXX | XXXXX | 305024770 | FCOM8997 | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 305024770 | FPRO8998 | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 305024769 | FCRE7497 | 01/14/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide Mortgage Statement, tax cert and HOI for primary resident | Requested docs previously provided in original submission | Verification of PITIA provided. Condition cleared. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/14/2026 | D A |
| XXX | XXXXX | 305024769 | FCOM8997 | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 305024769 | FPRO8998 | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 305024768 | FCOM8997 | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 305024768 | FCRE8999 | 12/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 305024768 | FPRO8998 | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304893964 | FCRE8999 | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304893964 | FPRO8998 | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304893964 | FCOM8997 | 12/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304893958 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304893958 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304893958 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304905071 | FCRE8999 | 12/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.08% is less than Guideline LTV of 62.08% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.08% is less than Guideline CLTV of 71.75% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304905071 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.75% is less than Guideline CLTV of 71.75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 71.75% is less than Guideline CLTV of 71.75% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304905071 | FCOM8997 | 12/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.75% is less than Guideline CLTV of 71.75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 71.75% is less than Guideline CLTV of 71.75% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304896196 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304896196 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304896196 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304911446 | finding-3634 | 12/08/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##XXX## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the 1004D Fee. The appraisal was made subject to on XX/XX/XXXX. A 1004D was completed on XX/XX/XXXX. An additional 1004D was completed on XX/XX/XXXX. COC provided is dated XX/XX/XXXX and disclosed on the XX/XX/XXXX CD; however, fee was made known on XX/XX/XXXX per XXX report signature date and Invoice. | Refund Package | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 71.75% is less than Guideline CLTV of 71.75% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 71.75% is less than Guideline CCLTV of 71.75% | Cured |  | C B |
| XXX | XXXXX | 304911446 | FCRE1148 | 12/04/2025 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Commitment verifies proposed title insurance in the amount of XXX | title | Documentation is sufficient. Updated Title policy provided. Exception resolved.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 71.75% is less than Guideline CLTV of 71.75% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 71.75% is less than Guideline CCLTV of 71.75% | Resolved | 12/04/2025 | B A |
| XXX | XXXXX | 304911446 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 71.75% is less than Guideline CLTV of 71.75% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 71.75% is less than Guideline CCLTV of 71.75% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304911445 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304911445 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304911445 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304905136 | FCOM3849 | 12/05/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##XXX##. The borrower signed the appraisal delivery waiver, but there is no confirmation the report was delivered at consummation. Please provide evidence when the borrowers received the appraisal to confirm timing requirements were met. | appraisal ack for 1st and 2nd appraisals. | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | B A |
| XXX | XXXXX | 304905136 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304905136 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304911443 | FCRE1437 | 12/12/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines - Missing supporting documentation to verify monthly Retirement income of XXX per Final 1003 for Borrower 1 | XXX worksheet and source of distribution | Documentation is sufficient. XXX documents provided. Exception resolved.; Income and Employment Meet Guidelines | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.75% is less than Guideline LTV of 71.75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.75% is less than Guideline ##XXX## | Resolved | 12/12/2025 | C A |
| XXX | XXXXX | 304911443 | FCRE1347 | 12/12/2025 | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing | VOE | Documentation is sufficient. VOE provided. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## | Resolved | 12/12/2025 | D A |
| XXX | XXXXX | 304911443 | FPRO8998 | 12/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304911443 | FCOM8997 | 12/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## \| Original LTV is Below the Guideline Maximum - Calculated ##XXX## is less than Guideline ##XXX## | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304874387 | FCRE1485 | 12/10/2025 | Credit | Assets | Asset 7 Does Not Meet Guideline Requirements | Asset 7 Does Not Meet Guideline Requirements Evidence of receipt and deposit of XXX gift funds. | Document Uploaded. Statement; Per Lender: Per gift ltr dates - Wire on XX/XX/XXXX shows XXX deposit and XX/XX/XXXX shows XXX deposit This totals XXX was a transfer from XXX acct; Document Uploaded. Assets and Transaction Histories | Asset 7 Meets Guideline Requirements Or Not Applicable; Provide copy of check in the amount of XXX due to B1's XXX #XXX indicates a 'XXX' on XX/XX/XXXX; check came from donor's home equity account.; Asset 7 Does Not Meet Guideline Requirements; XXX Statement provided, Transaction summary reflects two wires in for XXX and XXX = XXX Please confirm entire amount of XXX or revised gift information is required. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | C A |
| XXX | XXXXX | 304874387 | FCRE1473 | 12/10/2025 | Credit | Missing Doc | Asset 7 Missing | Asset 7 Missing Evidence of receipt and deposit of XXX gift funds. | Statement uploaded; Per Lender: Per gift ltr dates - Wire on XX/XX/XXXX shows XXX deposit and XX/XX/XXXX shows XXX deposit This totals XXX was a transfer from XXX acct; Document Uploaded. Assets and Transaction Histories | Asset 7 Provided Or Not Applicable; Cleared; Provide copy of check in the amount of XXX due to B1's XXX #XXX indicates a 'XXX' on XX/XX/XXXX; check came from donor's home equity account.; Asset 7 Missing; XXX Statement provided, Transaction summary reflects two wires in for XXX and XXX = XXX Please confirm entire amount of XXX or revised gift information is required. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | D A |
| XXX | XXXXX | 304874387 | FCOM8997 | 12/01/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304874387 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | A |

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## Exhibit 99.9

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

**Exhibit 99.9**

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| | | | |
|:---|:---|:---|:---|
| **Customer Loan ID** | **Seller Loan ID** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 304874298 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304892059 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304904659 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304875923 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304898440 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304876555 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304874916 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304876564 | XXXXX D A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304907293 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304896769 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304876540 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304892930 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304892929 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304903244 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304896419 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893028 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304872653 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304877982 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304897259 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304892653 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304876543 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304897099 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304889372 | XXXXX C A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893026 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304896234 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304908723 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304877974 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893752 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304865385 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893024 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893992 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304909449 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304904631 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893430 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893400 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305012723 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304963606 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304874142 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304904286 | XXXXX D A C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304879061 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304889952 | XXXXX D B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304889592 | XXXXX D B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304872509 | XXXXX D B A C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304872117 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304898406 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305012467 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305024773 | XXXXX D A C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305024772 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305024770 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305024769 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305024768 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893964 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893958 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304905071 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304896196 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304911446 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304911445 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304905136 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304911443 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304874387 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |

---

## Exhibit 99.10

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

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 304874298 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 67.37 | 67.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304892059 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304904659 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875923 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 69.29 | 69.29 | XXX | XXX | .0617 | 1004 URAR |  |  |  |  | $XXX | $XXX | .0617 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304898440 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 59.7 | 59.7 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304876555 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 41.97 | 41.97 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304874916 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 58.76 | 58.76 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 304876564 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304907293 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 72.16 | 72.16 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 304896769 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 | XXX | XXX | .0764 | 1004 URAR |  |  |  |  | $XXX | $XXX | .0764 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304876540 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304892930 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304892929 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 60.94 | 60.94 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304903244 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 49.21 | 49.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304896419 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 304893028 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304872653 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 83.86 | 83.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 304877982 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 82.63 | 82.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 304897259 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304892653 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 78.19 | 78.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304876543 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 78.54 | 78.54 | XXX | XXX | -.0755 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0755 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304897099 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.57 | 75.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304889372 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 80.0 | 80.0 | XXX | XXX | .0379 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0379 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304893026 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 71.08 | 71.08 | XXX | XXX | -.0656 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0656 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304896234 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304908723 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 77.22 | 77.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304877974 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 78.55 | 78.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304893752 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 304865385 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 304893024 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 77.64 | 77.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 304893992 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 70.71 | 70.71 | XXX | XXX | -.0333 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0333 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304909449 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304904631 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304893430 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 83.23 | 83.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 304893400 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 305012723 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 304963606 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 | XXX | XXX | -.0763 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0763 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 304874142 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 78.25 | 78.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304904286 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304879061 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 304889952 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 304889592 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 304872509 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| 304872117 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304898406 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.17 | 70.17 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0034 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305012467 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 305024773 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 | XXX | XXX | -.0641 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0641 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305024772 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.5981 | 81.0 | 0.19 | XXX | XXX | XX/XX/XXXX | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 305024770 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 | XXX | XXX | -.0382 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0382 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 305024769 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 305024768 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4 |  |
| 304893964 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |
| 304893958 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0131 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304905071 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 62.08 | 62.08 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 304896196 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 73.24 | 73.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 304911446 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304911445 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304905136 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 78.57 | 78.57 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0098 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304911443 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 71.75 | 71.75 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| 304874387 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

## Exhibit 99.11

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

**Exhibit 99.11**

**EXECUTIVE SUMMARY**

JPMMT 2026-2

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third-party diligence provider, performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association (the "Client"). The Review was conducted from September 2025 to October 2025 on mortgage loans (the "Loans") originated in August 2025.

The Review consisted of 100% of the population of 3 loans with an original loan balance of $4,274,200.00.

**Scope of Review**

**Credit Review**

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of debt-to-income ratio ("DTI") calculations

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR Loans

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

![](ex99_002.jpg)

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy is supported

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex99_002.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex99_002.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex99_002.jpg)

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

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

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

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

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

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

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

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

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

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

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

**Property Review**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence's review included a review of the valuation materials utilized during the origination
of the loan and in confirming the value of the underlying property. MaxDiligence's review will include verifying the appraisal report:

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

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

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

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

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

![](ex99_002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report is the lender or a related entity that
is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was performed for another lender, the file contains a transfer
letter from the original lender

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received including all inspections, licenses,
and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property
and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of MaxDiligence's review included (i) verifying that the address matched the mortgage
note, ((ii) if requested, noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying
the Client of same, (iii) confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal
notes the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the
property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which
the valuation was ordered and that there are no negative external factors; and (vi) confirming that the value product that was used as
part of the origination decision conforms with rating agency requirements.

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

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

![](ex99_002.jpg)

including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**Compliance Review**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

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

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

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

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

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

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

![](ex99_002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirmed initial CD, and any subsequent CD with material changes (i.e.
changes that require a new waiting period), was received at least three (3) business days prior to the consummation date. With respect
to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable,
was delivered or placed in the mail no later than sixty (60) days after discovery of the exception establishing the need for a revised
CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the
mail no later than sixty (60) days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented
by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

Rescission

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any material disclosure violation on a rescindable loan that gives rise
to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount
financed, the total of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compared the fees disclosed in the final binding
LE to those in the final CD, and confirmed that final CD fees are within the permitted tolerances. Confirmed the total of payments are
considered accurate as defined by Regulation Z. Confirmed finance charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Reviewed the file to determine (i) whether there
is evidence that certain changes or errors (per the regulation) were discovered subsequent to closing, (ii) and whether the Loan originator
followed the prescribed cure. Test for evidence such as a copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
and (iii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as
well as a refund as applicable, was delivered or placed in the mail no later than sixty (60) days after discovery of the exception establishing
the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered
or placed in the mail no later than sixty (60) days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

![](ex99_002.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance with the disclosure requirements, limitation on terms and prohibited
acts or practices in connection with a high-cost mortgage.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Reviewed the presence of the mortgage loan option disclosure and to determine
if the Steering Safe Harbor provisions were satisfied.

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Reviewed for presence of mortgage loan originator organization and individual
mortgage loan originator name and NMLSR ID, as applicable, on the credit

![](ex99_002.jpg)

application, note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirmed the presence of the Your Home Loan Toolkit/Special Information
Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the
borrower;

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirmed that the creditor provided the borrower a list of homeownership
counselling organizations within three (3) business days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>: The Equal Credit Opportunity Act, as implemented by Regulation
B, 12 C.F.R. Part 1002, as set forth below:

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions of state, county and municipal
laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced"
mortgage loans, "home" mortgage loans or any other

![](ex99_002.jpg)

similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>. MaxDiligence did not test:

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

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

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

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

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

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

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

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

- Fannie Mae

- Freddie Mac

- CCM Signature Jumbo AUS Overlays v5.0

- LoanDepot Jumbo Advantage AUS

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &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% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |

---

![](ex99_002.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &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% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &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% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &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% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS - Discrepancy | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS - Findings Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Coverage Amount is less than Required Coverage Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Coverage is Less than Subject Lien(s) Total | &nbsp;&nbsp;1 |

---

![](ex99_002.jpg)

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***8*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***3*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

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

Of the 3 Loans reviewed, 0 unique Loans (by loan count) had a total of 0 different tape discrepancies across the data fields (some Loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

**Event Grade Definitions**

---

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

---

---

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

---

![](ex99_002.jpg)

---

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

---

---

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

---

## Exhibit 99.12

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

**Exhibit 99.12**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXXXX | 304768549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 11 | 2025-09-07 17:58 | Credit | Title Coverage is Less than Subject Lien(s) Total | Title coverage is less than total amount of subject lien(s). No title coverage amount. <br>|  | final policy upld - 10/09/2025<br>| Received final title policy which showed $XXXXXX Lender's insurance amount. - 10/14/2025<br> Title coverage amount of $XXXXXX is equal to or greater than total amount of subject lien(s) $XXXXXX - 10/14/2025<br> final policy upld - 10/09/2025 |  | 2025-10-14 03:09 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304768549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 11 | 2025-09-07 18:25 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. <br>|  | fraud upld showing all pass - 10/09/2025<br>| Received XXXXXX report showing alerts cleared. - 10/14/2025<br> All Fraud Report Alerts have been cleared or None Exist - 10/14/2025<br> fraud upld showing all pass - 10/09/2025 |  | 2025-10-14 03:35 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304768549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 11 | 2025-09-07 18:25 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-07 18:25 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304768549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 4 of 11 | 2025-09-07 18:26 | Credit | AUS - Discrepancy | The AUS final approval data does not match the 1003/1008 and/or file documents. 1008 states XXXXXX was used but lists a XXXXXX reference # <br>|  | revised 1008 upld - 10/09/2025<br>| Received revised 1008 reflecting XXXXXX XXXXXX/AUS loan approval. No issues regarding collateral or DTI. - 10/14/2025<br> revised 1008 upld - 10/09/2025 |  | 2025-10-14 03:18 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304768549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 5 of 11 | 2025-09-08 17:19 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-08 17:19 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304768549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 6 of 11 | 2025-09-08 22:49 | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. Missing evidence of guaranteed replacement cost or replacement cost estimator to support sufficient coverage amount. <br>|  | Insurance letter and screen print used to calculate replacement cost - 10/20/2025<br>| Received RCE - 10/20/2025<br>Insurance letter and screen print used to calculate replacement cost - 10/20/2025<br>|  | 2025-10-20 20:35 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304768549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 7 of 11 | 2025-09-08 23:05 | Credit | Borrower 1 IRS Transcripts Missing | Borrower 1 XXXXXX Transcripts missing from the file. Guideline overlay requires transcripts. Please provide transcripts that support the tax returns in file. <br>|  | rebuttal upld - 10/13/2025<br>| Added in error - 10/20/2025<br>Received explanation. Per investor requirements, transcripts are required. Please provide tax transcripts to support tax returns in file. - 10/16/2025<br>rebuttal upld - 10/13/2025<br>|  | 2025-10-20 19:01 | Void | 3 |  | 3 | 1 |
| XXXXXX | 304768549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 8 of 11 | 2025-09-08 23:05 | Credit | Borrower 2 IRS Transcripts Missing | Borrower 2 XXXXXX Transcripts missing..  |  | rebuttal upld - 10/13/2025<br>| Added in error - 10/20/2025<br>Received explanation. Per investor requirements, transcripts are required. Please provide tax transcripts to support tax returns in file. - 10/16/2025<br>rebuttal upld - 10/13/2025<br>|  | 2025-10-20 19:01 | Void | 3 |  | 3 | 1 |
| XXXXXX | 304768549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 9 of 11 | 2025-09-08 23:05 | Credit | Borrower 2 YTD Profit & Loss Missing | Borrower 2 YTD Profit & Loss missing. Also, balance sheet for the most recent quarter is required per guideline overlay. <br>|  | rebuttal upld - 10/13/2025<br>| Added in error - 10/20/2025<br>Received explanation. Investor requires a P&L and balance sheet for most recent quarter – whether or not income was used to qualify. Please provide requested documentation for B2. - 10/16/2025<br>rebuttal upld - 10/13/2025<br>|  | 2025-10-20 19:01 | Void | 3 |  | 3 | 1 |
| XXXXXX | 304768549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 10 of 11 | 2025-09-08 23:07 | Credit | AUS - Findings Missing | The loan file did not contain the AUS findings as required. Guideline overlay states acceptable AUS has a status of XXXXXX Accept Ineligible, when the XXXXXX loan approval provided shows an XXXXXX Accept Ineligible status. <br>|  | aus upld - 10/09/2025<br>| Received revised 1008 and XXXXXX/AUS showing final loan approval. No DTI nor collateral issues noted. - 10/14/2025<br> aus upld - 10/09/2025 |  | 2025-10-14 03:20 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304768549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 11 of 11 | 2025-10-14 03:33 | Credit | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). XXXXXX provided was dated XX/XX/XX.  |  |  | Borrower 1 Gap Credit Report is not expired. - 10/14/2025<br>|  | 2025-10-14 03:43 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304760406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 3 | 2025-09-01 18:48 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-01 18:48 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304760406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 3 | 2025-09-01 18:48 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-04 17:25 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304760406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 3 | 2025-09-03 16:51 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-03 16:51 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304819535 | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 3 | 2025-09-08 19:12 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-08 19:12 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304819535 | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 3 | 2025-09-08 19:12 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-08 19:12 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304819535 | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 3 | 2025-09-08 20:55 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-08 20:55 | Cleared | 1 | 1 | 1 | 1 |

---

## Exhibit 99.13

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

**Exhibit 99.13**

![](ex99_001.jpg)

Client JPMMT 2026-2 <br> Transaction JPMMT 2026-2 <br> Date 02/02/2026

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| XXXXXX | 304768549 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXXXX | 304760406 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXXXX | 304819535 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.14

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

**Exhibit 99.14**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 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** |
| XXXXXX | XXXXXX | 304768549 | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXXXX |
| XXXXXX | XXXXXX | 304760406 | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0833 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0833 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304819535 | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 60.0 | 60.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXXXX |

---

## Exhibit 99.15

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

**Exhibit 99.15**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment3** |

---

## Exhibit 99.16

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

**Exhibit 99.16**

![](ex9916001.jpg)

JPMMT 2026-2

JPMorgan

Opus Capital Markets Consultants, LLC

300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**February 5, 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 seventy-one (71) loans, of which were 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 seventy-one (71) credit and compliance loans identified as QM: Average Prime Offer Rate (APOR). There are five (5) loans eligible for GSE delivery and each were underwritten to the AUS provided in the loan file and were re-underwritten in accordance with the lender guidelines.

**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.

**Document Review**

**Document Review**

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:

**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.

● 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;&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;&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).

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

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

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

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.

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.

&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.

**High-Cost, State & Local Anti-Predatory Regulations** 

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.

● 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, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

● District of Columbia Home 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. § 494.0078 et seq. (for loans closed before July 1, 2014).

● Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by 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.

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

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

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

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House 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. Instit. 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 Interest" 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.

● 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:46:10B-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 time 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 185 (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 Interest 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 DFI-Bkg 46.01 et seq.

**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**

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

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:

● 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.

**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:

● No apparent damage to the property

● Property appears to be occupied

**Data Compare**

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

● 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**

**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.

**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.

**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.

**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.

**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**

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:

**Opus Credit Grades**

● 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**

● 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**

● 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.

**REDACTED INFORMATION**

● 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)

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** |  |  |  |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |  |
| &nbsp;&nbsp;Cash out Refi | &nbsp;&nbsp;7 | &nbsp;&nbsp;9.86% |  |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;43 | &nbsp;&nbsp;60.56% |  |
| &nbsp;&nbsp;Rate / Term Refi | &nbsp;&nbsp;21 | &nbsp;&nbsp;29.58% |  |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**71** | &nbsp;&nbsp;**100.00%** |  |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;40 | &nbsp;&nbsp;56.34% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;Co-op | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;3 | &nbsp;&nbsp;4.23% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;PUD | &nbsp;&nbsp;27 | &nbsp;&nbsp;38.03% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.41% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;2 Family | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 Family | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;4 Family | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**71** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;66 | &nbsp;&nbsp;92.96% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;Second Home | &nbsp;&nbsp;5 | &nbsp;&nbsp;7.04% |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**71** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;Fixed | &nbsp;&nbsp;71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**71** | &nbsp;&nbsp;**100.00%** |

---

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;10 | &nbsp;&nbsp;85.92% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;95.77% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;28 | &nbsp;&nbsp;60.56% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;9 | &nbsp;&nbsp;87.32% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;27 | &nbsp;&nbsp;61.97% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;38 | &nbsp;&nbsp;46.48% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**71** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligors with multiple loans in the pool.

**Property Inspection Waivers**: No loans had a Property Inspection Waiver.

**<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 |

---

---

| | |
|:---|:---|
| &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 |

---

**<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 February 5, 2026.

![](ex9916002.jpg)

**<u>Loans Reviewed (71)</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;304862186 | &nbsp;&nbsp;304909637 | &nbsp;&nbsp;305026474 | &nbsp;&nbsp;305028226 | &nbsp;&nbsp;305028957 | &nbsp;&nbsp;305029634 |
| &nbsp;&nbsp;304892924 | &nbsp;&nbsp;304911419 | &nbsp;&nbsp;305026475 | &nbsp;&nbsp;305028228 | &nbsp;&nbsp;305028959 | &nbsp;&nbsp;305029635 |
| &nbsp;&nbsp;304893387 | &nbsp;&nbsp;304911772 | &nbsp;&nbsp;305026476 | &nbsp;&nbsp;305028229 | &nbsp;&nbsp;305028960 | &nbsp;&nbsp;305029636 |
| &nbsp;&nbsp;304893919 | &nbsp;&nbsp;305012436 | &nbsp;&nbsp;305026477 | &nbsp;&nbsp;305028230 | &nbsp;&nbsp;305029623 | &nbsp;&nbsp;305029637 |
| &nbsp;&nbsp;304896740 | &nbsp;&nbsp;305012737 | &nbsp;&nbsp;305028218 | &nbsp;&nbsp;305028232 | &nbsp;&nbsp;305029624 | &nbsp;&nbsp;305029638 |
| &nbsp;&nbsp;304897416 | &nbsp;&nbsp;305012767 | &nbsp;&nbsp;305028219 | &nbsp;&nbsp;305028233 | &nbsp;&nbsp;305029625 | &nbsp;&nbsp;305029639 |
| &nbsp;&nbsp;304898436 | &nbsp;&nbsp;305013431 | &nbsp;&nbsp;305028220 | &nbsp;&nbsp;305028234 | &nbsp;&nbsp;305029626 | &nbsp;&nbsp;305029640 |
| &nbsp;&nbsp;304903219 | &nbsp;&nbsp;305013573 | &nbsp;&nbsp;305028221 | &nbsp;&nbsp;305028235 | &nbsp;&nbsp;305029627 | &nbsp;&nbsp;305029641 |
| &nbsp;&nbsp;304904591 | &nbsp;&nbsp;305024022 | &nbsp;&nbsp;305028222 | &nbsp;&nbsp;305028236 | &nbsp;&nbsp;305029629 | &nbsp;&nbsp;305029642 |
| &nbsp;&nbsp;304907159 | &nbsp;&nbsp;305024771 | &nbsp;&nbsp;305028223 | &nbsp;&nbsp;305028237 | &nbsp;&nbsp;305029630 | &nbsp;&nbsp;305029643 |
| &nbsp;&nbsp;304907243 | &nbsp;&nbsp;305026471 | &nbsp;&nbsp;305028224 | &nbsp;&nbsp;305028239 | &nbsp;&nbsp;305029632 | &nbsp;&nbsp;305029644 |
| &nbsp;&nbsp;304909450 | &nbsp;&nbsp;305026472 | &nbsp;&nbsp;305028225 | &nbsp;&nbsp;305028955 | &nbsp;&nbsp;305029633 |  |

---

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

## Exhibit 99.17

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

**Exhibit 99.17**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXXXX | XXXXXXX | 305012737 | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| XXXXXXX | XXXXXXX | 304892924 | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| XXXXXXX | XXXXXXX | 305028237 | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| XXXXXXX | XXXXXXX | 305029642 | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| XXXXXXX | XXXXXXX | 305026472 | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| XXXXXXX | XXXXXXX | 305026476 | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value pulled from documents located in the loan file. |
| XXXXXXX | XXXXXXX | 305028235 | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value pulled from documents located in the loan file. |
| XXXXXXX | XXXXXXX | 305029629 | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value based on documents located in the loan file. |
| XXXXXXX | XXXXXXX | 305028226 | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value pulled from documents located in the loan file. |
| XXXXXXX | XXXXXXX | 305028221 | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| XXXXXXX | XXXXXXX | 305028235 | XXXXXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value pulled from documents located in the loan file. |
| XXXXXXX | XXXXXXX | 305028221 | XXXXXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| XXXXXXX | XXXXXXX | 305029626 | XXXXXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| XXXXXXX | XXXXXXX | 304898436 | XXXXXXX | Loan Type | the1003Page | Conventional | Other | Audit Value Pulled From 1008. |
| XXXXXXX | XXXXXXX | 304893919 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 67.45 | 68 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305024022 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 62.62 | 63 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 304904591 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 84.99 | 85 | Rounding |
| XXXXXXX | XXXXXXX | 304909637 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 20.65 | 21 | Audit Value of 1st lien / Qualifying Value. |
| XXXXXXX | XXXXXXX | 305012767 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.9 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 304862186 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 69.1 | 70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 304892924 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 41.57 | 42 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305028239 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 69.69 | 70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305028236 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 52.06 | 53 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| XXXXXXX | XXXXXXX | 305029644 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 46.65 | 40.65 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| XXXXXXX | XXXXXXX | 305026477 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 71.55 | 72 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305026476 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 61.58 | 62 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305026475 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 74.08 | 75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305028230 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 52.76 | 52.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305029638 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 71.76 | 72 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305029637 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 62.53 | 63 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305029636 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 70 | 69.99 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305028228 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 75.26 | 76 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305029635 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 78.37 | 79 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305028225 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 56.54 | 56.53 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305026474 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 72.38 | 73 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305028222 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 69.98 | 70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305028221 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 79.93 | 80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305029626 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 72.4 | 72.39 | Rounding |
| XXXXXXX | XXXXXXX | 305029625 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 58.78 | 58.77 | Audit Value of 1st + 2nd lien HELOC / Qualifying Value |
| XXXXXXX | XXXXXXX | 305029634 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 33.33 | 34 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305028218 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 60.68 | 61 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305029624 | XXXXXXX | Qualifying CLTV | propertyValuationPage | 21.36 | 22 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305028224 | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 764 | 0 | Audit value pulled from most recent credit report in the loan file dated |
| XXXXXXX | XXXXXXX | 305029626 | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 793 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXXX | XXXXXXX | 305028220 | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 793 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXXX | XXXXXXX | 305029625 | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 764 | 0 | Audit value pulled from documents located in the loan file. |
| XXXXXXX | XXXXXXX | 305029634 | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 719 | 0 | Audit value pulled from most recent credit report in the loan file dated XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029633 | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 780 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXXX | XXXXXXX | 305029632 | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 801 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXXX | XXXXXXX | 305028219 | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 797 | 0 | Audit value pulled from most recent credit report in the loan file dated XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029624 | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 746 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXXX | XXXXXXX | 304893919 | XXXXXXX | Qualifying LTV | propertyValuationPage | 67.45 | 68 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305024022 | XXXXXXX | Qualifying LTV | propertyValuationPage | 62.62 | 63 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 304904591 | XXXXXXX | Qualifying LTV | propertyValuationPage | 84.99 | 85 | Rounding |
| XXXXXXX | XXXXXXX | 304909637 | XXXXXXX | Qualifying LTV | propertyValuationPage | 20.65 | 21 | Audit Value of Subject Lien / Qualifying Value. |
| XXXXXXX | XXXXXXX | 305012767 | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.9 | 90 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 304862186 | XXXXXXX | Qualifying LTV | propertyValuationPage | 69.1 | 70 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 304892924 | XXXXXXX | Qualifying LTV | propertyValuationPage | 41.57 | 42 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305028239 | XXXXXXX | Qualifying LTV | propertyValuationPage | 69.69 | 70 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305028236 | XXXXXXX | Qualifying LTV | propertyValuationPage | 52.06 | 53 | Audit Value of Subject Lien / Qualifying Value" |
| XXXXXXX | XXXXXXX | 305026477 | XXXXXXX | Qualifying LTV | propertyValuationPage | 71.55 | 72 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305026476 | XXXXXXX | Qualifying LTV | propertyValuationPage | 61.58 | 62 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305026475 | XXXXXXX | Qualifying LTV | propertyValuationPage | 74.08 | 75 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305028230 | XXXXXXX | Qualifying LTV | propertyValuationPage | 52.76 | 52.75 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305029638 | XXXXXXX | Qualifying LTV | propertyValuationPage | 71.76 | 72 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305029637 | XXXXXXX | Qualifying LTV | propertyValuationPage | 62.53 | 63 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305029636 | XXXXXXX | Qualifying LTV | propertyValuationPage | 70 | 69.99 | Audit value pulled from documents located in the loan file. |
| XXXXXXX | XXXXXXX | 305028228 | XXXXXXX | Qualifying LTV | propertyValuationPage | 75.26 | 76 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305029635 | XXXXXXX | Qualifying LTV | propertyValuationPage | 78.37 | 79 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305028225 | XXXXXXX | Qualifying LTV | propertyValuationPage | 56.54 | 56.53 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305026474 | XXXXXXX | Qualifying LTV | propertyValuationPage | 72.38 | 73 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305028222 | XXXXXXX | Qualifying LTV | propertyValuationPage | 69.98 | 70 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305028221 | XXXXXXX | Qualifying LTV | propertyValuationPage | 79.93 | 80 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305029626 | XXXXXXX | Qualifying LTV | propertyValuationPage | 72.4 | 72.39 | Rounding |
| XXXXXXX | XXXXXXX | 305029625 | XXXXXXX | Qualifying LTV | propertyValuationPage | 58.78 | 58.77 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305029634 | XXXXXXX | Qualifying LTV | propertyValuationPage | 33.33 | 34 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305028218 | XXXXXXX | Qualifying LTV | propertyValuationPage | 60.68 | 61 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 305029624 | XXXXXXX | Qualifying LTV | propertyValuationPage | 21.36 | 22 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | XXXXXXX | 304893387 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.87 | 49 | Audit liabilities were based on documents in the loan file.  |
| XXXXXXX | XXXXXXX | 305012737 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.04 | 40.12 | DTI difference is less than 1% and within lender tolerance.  |
| XXXXXXX | XXXXXXX | 304907159 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.6 | 32.43 | Audit reflects difference in negative rental income per documents in the loan file.  |
| XXXXXXX | XXXXXXX | 305013573 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 8.47 | 8 | 1008 DTI: 8.47. Audit DTI matches the 1008. |
| XXXXXXX | XXXXXXX | 304897416 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.53 | 45 | 1008 DTI = 44.528%. DTI difference is less than 1% and within lender tolerance.  |
| XXXXXXX | XXXXXXX | 305024022 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.44 | 47.79 | Audit reflects difference in subject property taxes per documents in the loan file.  |
| XXXXXXX | XXXXXXX | 305012436 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.86 | 50 | DTI difference is less than 1% and within lender tolerance.  |
| XXXXXXX | XXXXXXX | 304911419 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.84 | 26 | 1008 DTI = 25.844. DTI difference is less than 1% and within lender tolerance.  |
| XXXXXXX | XXXXXXX | 304896740 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.12 | 46.5 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXXXXX | XXXXXXX | 304909450 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.91 | 23 | 1008 DTI 22.909%. Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXXXXX | XXXXXXX | 305028237 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.03 | 36 | DTI difference is less than 1% and within lender tolerance.  |
| XXXXXXX | XXXXXXX | 305028236 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.67 | 45.46 | Audit liabilities were based on documents in the loan file.  |
| XXXXXXX | XXXXXXX | 305029644 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.55 | 30 | DTI difference is less than 1% and within lender tolerance. |
| XXXXXXX | XXXXXXX | 305029630 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.79 | 46.13 | Audit reflects difference in subject property taxes per documents in the loan file. |
| XXXXXXX | XXXXXXX | 305026472 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.25 | 38.79 | Audit reflects difference in subject property taxes per documents in the loan file.  |
| XXXXXXX | XXXXXXX | 305026476 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.16 | 33.36 | Audit reflects difference in subject property taxes per documents in the loan file. |
| XXXXXXX | XXXXXXX | 305029641 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.46 | 25.15 | Audit value pulled from documents located in the loan file. |
| XXXXXXX | XXXXXXX | 305028235 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.29 | 26 | DTI difference is less than 1% and within lender tolerance.  |
| XXXXXXX | XXXXXXX | 305028234 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.65 | 37.45 | 1008 DTI is 38.65%. Audit income and liabilities based on documents located in the loan file. |
| XXXXXXX | XXXXXXX | 305029629 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.77 | 12.41 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXXXXX | XXXXXXX | 305028233 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.07 | 31.41 | Audit reflects difference in subject Hazard Insurance per documents in the loan file. |
| XXXXXXX | XXXXXXX | 305029640 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.55 | 31.6 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXXXXX | XXXXXXX | 305028232 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.68 | 21.13 | Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX and negative rental income per documents in the loan file. <br>|
| XXXXXXX | XXXXXXX | 305026471 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.06 | 35.19 | <br> Audit Value Pulled From 1008 and recent AUS. |
| XXXXXXX | XXXXXXX | 305028230 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.68 | 44 | DTI difference is less than 1% and within lender tolerance.  |
| XXXXXXX | XXXXXXX | 305028229 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.03 | 34.64 | DTI difference is less than 1% and within lender tolerance.  |
| XXXXXXX | XXXXXXX | 305029636 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.66 | 44 | Audit value pulled from documents located in the loan file. |
| XXXXXXX | XXXXXXX | 305029627 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.87 | 36 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXXXXX | XXXXXXX | 305028226 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.22 | 37.21 | Audit reflects difference in subject property taxes per documents in the loan file. |
| XXXXXXX | XXXXXXX | 305028225 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.16 | 40 | Audit reflects difference in subject property taxes per documents in the loan file.  |
| XXXXXXX | XXXXXXX | 305028222 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.08 | 42.09 | 1008 DTI 42.094%. DTI difference is less than 1% and within lender tolerance.  |
| XXXXXXX | XXXXXXX | 305029626 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.92 | 33 | 1008 DTI 32.676%. DTI difference is less than 1% and within lender tolerance. |
| XXXXXXX | XXXXXXX | 305028220 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.88 | 34 | 1008 DTI 33.130%. Audit reflects difference in subject homeowner's insurance per documents in the loan file.  |
| XXXXXXX | XXXXXXX | 305029625 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.14 | 35 | Audit value pulled from documents located in the loan file. |
| XXXXXXX | XXXXXXX | 305029633 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.93 | 40 | Audit reflects difference in qualifying P & I than the approval.  |
| XXXXXXX | XXXXXXX | 305029632 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.56 | 46.66 | Audit reflects difference in negative rental income per documents in the loan file.  |
| XXXXXXX | XXXXXXX | 305028219 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.81 | 34 | Audit DTI was based on documents in the loan file.  |
| XXXXXXX | XXXXXXX | 305029623 | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.91 | 53.38 | Audit reflects difference in qualifying P & I than the approval.  |

---

## Exhibit 99.18

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

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| XXXXX | XXXXXX | XXXXXX | 304898436 | Closed | 2025-12-17 06:26 | 2025-12-17 06:26 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX however it is same as disbursement date XX/XX/XXXX - Due Diligence Vendor-12/17/2025 |  | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX however it is same as disbursement date XX/XX/XXXX - Due Diligence Vendor-12/17/2025 |  |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 304903219 | Closed | 2025-12-16 12:18 | 2025-12-16 14:13 | Acknowledged | 2 - Non-Material | Property | Appraisal | Appraisal is Expired | Acknowledged-Primary Value Appraisal is Expired 1004D in file extending appraisal expiration. - Due Diligence Vendor-12/16/2025 |  | Acknowledged-Primary Value Appraisal is Expired 1004D in file extending appraisal expiration. - Due Diligence Vendor-12/16/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305013573 | Closed | 2026-01-03 08:57 | 2026-01-03 08:57 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-01/03/2026 |  | 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. - Due Diligence Vendor-01/03/2026<br>|  |  |  | AZ | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305024022 | Closed | 2026-01-01 14:17 | 2026-01-11 19:26 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the initial CD. - Due Diligence Vendor-01/12/2026 <br> Resolved-. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-XX 1/6: Please see the attached // - Due Diligence Vendor-01/06/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply - Due Diligence Vendor-01/01/2026 <br> Open- - Due Diligence Vendor-01/01/2026 <br> Open- - Due Diligence Vendor-01/01/2026 <br> Open- - Due Diligence Vendor-01/01/2026 |  | Resolved-Received the initial CD. - Due Diligence Vendor-01/12/2026 <br>Resolved-. - Due Diligence Vendor-01/12/2026<br>| XXXXXX X.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| XXXXX | XXXXXX | XXXXXX | 305012436 | Closed | 2025-12-26 13:29 | 2026-01-13 13:03 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-01/13/2026-Seller provided document list and tracking report showing disclosure sent electronically XX/XX/XXXX. XXXXXX passed. Condition cleared. - Due Diligence Vendor-01/13/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/13/2026 <br> Ready for Review-XX 1/6: Please see the attached // - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 |  | Resolved-01/13/2026-Seller provided document list and tracking report showing disclosure sent electronically XX/XX/XXXX. XXXXXX passed. Condition cleared. - Due Diligence Vendor-01/13/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/13/2026 | XXXXXX X.pdf<br> XXXXXX X.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| XXXXX | XXXXXX | XXXXXX | 304904591 | Closed | 2025-12-26 08:06 | 2025-12-26 08:06 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-12/26/2025 |  | 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. - Due Diligence Vendor-12/26/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 304909637 | Closed | 2026-01-02 21:51 | 2026-01-22 09:54 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Loan amount less than client overlay guideline minimum | Acknowledged-Loan amount accepted by client team. - Due Diligence Vendor-01/22/2026 <br> Counter-The attached Guidelines are not the Guidelines that were assigned to this loan for XXXX to review. Please provide a lender exception or management approval to use the Guidelines provided 1/19/2026. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-01/19/2026 - XX: Please see attached. The "Basic Product Parameters" section of the attached Matrix clearly states " Purchase and Rate/Term minimum loan amount $1 over conforming loan limit. Max loan amount $XXXXXXXX." The guidance being referenced is not applicable to this transaction, as this is a cash-out refinance. - Due Diligence Vendor-01/19/2026 <br> Counter-The Jumbo Fixed Matrix dated XX/XX/XXXX states "Minimum loan amount $1 over conforming loan limit. Max loan amount $XXXXXXX" under the Basic Product Parameters section. It does not mention anything about "Purchase and Rate/Term" - Due Diligence Vendor-01/15/2026 <br> Ready for Review-01/15/2026 - XX: This transaction is a Cash-out refinance, and the Jumbo 30 year Fixed Matrix dated XX/XX/XX states "Purchase and Rate/Term minimum loan amount $1 over conforming loan limit. Max loan amount $XXXXXX." The guidance being referenced is not applicable to this transaction. - Due Diligence Vendor-01/15/2026 <br> Counter-The XXX 30 Year Jumbo Fixed Matrix dated XX/XX/XX was assigned to this loan. Minimum loan amount $1 over conforming loan limit. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-01/09/26 - XX: Please see attached. The XXX Jumbo overlays do not reflect a minimum loan amount of $XXXXXX - Due Diligence Vendor-01/09/2026 <br> Open-Audited Loan Amount of $XXXXXX is less than the Guideline Minimum Loan Amount of $XXXXXX allowed by client overlays. Lender overlay guidelines require a minimum loan amount of $XXXXXX, per the loan approval and Note, the subject loan amount is $XXXXXX. The Lock Confirmation (pg 342 -344) Indicates loan locked under Jumbo Non-Agency AUS program and the DU in the file is Approve Eligible. - Due Diligence Vendor-01/03/2026 |  | Acknowledged-Loan amount accepted by client team. - Due Diligence Vendor-01/22/2026<br>| XXXXXX X.pdf<br> XXXXXX X.pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 304896740 | Closed | 2025-12-31 09:37 | 2025-12-31 09:37 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-12/31/2025 |  | 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. - Due Diligence Vendor-12/31/2025<br>|  |  |  | TN | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305013431 | Closed | 2025-12-22 10:48 | 2025-12-26 07:15 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/26/2025 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/26/2025<br>|  |  |  | MI | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 304862186 | Closed | 2025-12-17 09:10 | 2026-02-05 07:17 | Resolved | 1 - Information | Property | Missing Doc | Missing Second Appraisal (Property) | Resolved-Second appraisal was provided - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Please see attached 2nd Appraisal. - Due Diligence Vendor-12/22/2025 <br>Open-The lender's guidelines requires two appraisals and the second appraisal was not provided. - Due Diligence Vendor-12/17/2025 |  | Resolved-Second appraisal was provided - Due Diligence Vendor-12/24/2025<br>| XXXXXX X.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| XXXXX | XXXXXX | XXXXXX | 304862186 | Closed | 2025-12-17 08:41 | 2025-12-23 08:40 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Credit score does not meet client overlay guidelines | Acknowledged-Client acknowledged FICO overlay and has downgraded to B with compensating factors. - Due Diligence Vendor-12/23/2025 <br>Open-Audited FICO of 704 is less than Guideline FICO of 740 allowed by client overlays. Credit score of 704 is less than 740, the minimum credit score required per client overlay guidelines. - Due Diligence Vendor-12/17/2025 |  | Acknowledged-Client acknowledged FICO overlay and has downgraded to B with compensating factors. - Due Diligence Vendor-12/23/2025<br>|  |  | LTV 69.1%<br> 20 months reserves | CA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 304892924 | Closed | 2025-12-15 09:17 | 2026-01-09 09:22 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXXXX) | Resolved-Received correct PCCD. Condition cleared. - Due Diligence Vendor-01/09/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/09/2026 <br> Ready for Review-refund not required - refer to SPL...borrower shopped for provider - Due Diligence Vendor-01/06/2026 <br> Counter-Post Close CD provided for review reflects a Tolerance Cure of $XXXXX, which is $XXXX more than the Tolerance Cure on the Consummation CD, the refund check is for $XXXX which leaves a variance of $XXXX. Please provide a corrected PCCD reflecting a tolerance cure of $XXXXX, Letter of Explanation and Proof of Delivery to the borrower OR provide a copy of the addition $XXXXX Refund Check, Letter of Explanation and Proof of Delivery to the borrower. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-copy of Refund check, LOE , CD and XXXXX Label - Due Diligence Vendor-12/31/2025 <br> Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Title Endorsement Fee $XXX and Title-Recording Service Fee $X on CD dated XX/XX/XXXX. The initial LE dated XX/XX/XXXX do not list these 2 fees. These fees are in a 10% tolerance section. Lender tolerance cure of $XXXXX is required. Section J reflects $XXXXX tolerance cure that is insufficient. An additional tolerance cure of $XXXX is required. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 |  | Resolved-Received correct PCCD. Condition cleared. - Due Diligence Vendor-01/09/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/09/2026<br>| XXXXXX X.pdf<br> XXXXXX X.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | N/A | N/A |
| XXXXX | XXXXXX | XXXXXX | 304892924 | Closed | 2025-12-15 09:17 | 2026-01-09 09:22 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXXXX) | Resolved-Received correct PCCD. Condition cleared. - Due Diligence Vendor-01/09/2026 <br> Counter-Post Close CD provided for review reflects a Tolerance Cure of $XXXXX, which is $XXXX more than the Tolerance Cure on the Consummation CD, the refund check is for $XXXX which leaves a variance of $XXXX. Please provide a corrected PCCD reflecting a tolerance cure of $XXXX, Letter of Explanation and Proof of Delivery to the borrower OR provide a copy of the addition $XXXX Refund Check, Letter of Explanation and Proof of Delivery to the borrower. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-copy of refund check, CD, LOE and XXXX - Due Diligence Vendor-12/31/2025 <br> Ready for Review-This suspense is exactly worded as the 1st TRID suspense. Please advise why this condition is showing twice, exactly worded, and if you are requiring 2 exact cures for the same issue? Please clarify asap so this can be addressed accurately. thank you - Due Diligence Vendor-12/29/2025 <br> Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Title Endorsement Fee $XXX and Title-Recording Service Fee $XX on CD dated XX/XX/XXXX. The initial LE dated XX/XX/XXXX do not list these 2 fees. These fees are in a 10% tolerance section. Lender tolerance cure of $XXXX is required. Section J reflects $XXXX tolerance cure that is insufficient. An additional tolerance cure of $XXXX is required. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 |  | Resolved-Received correct PCCD. Condition cleared. - Due Diligence Vendor-01/09/2026<br>| XXXXXX X.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | N/A | N/A |
| XXXXX | XXXXXX | XXXXXX | 304892924 | Closed | 2025-12-15 09:44 | 2025-12-22 09:16 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-12/15/2025 |  | 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. - Due Diligence Vendor-12/15/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305028955 | Closed | 2025-12-31 04:36 | 2025-12-31 04:36 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-12/31/2025 |  | 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. - Due Diligence Vendor-12/31/2025<br>|  |  |  | MA | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305028239 | Closed | 2025-12-30 09:20 | 2026-01-12 11:28 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-XXXX X XXXXX XXXX - Due Diligence Vendor-01/08/2026 <br> Open-Provide mortgage statement for Second home, as per 1003 there is mortgage on it, as per drive report page #868 property has been sold in XXXX, Please provide supporting document for the same. <br> - Due Diligence Vendor-12/30/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/12/2026<br>| XXXXXX X.pdf<br> XXXXXX X.pdf |  |  | UT | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| XXXXX | XXXXXX | XXXXXX | 305028239 | Closed | 2025-12-30 09:31 | 2025-12-30 09:31 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/30/2025 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/30/2025<br>| XXXXXX X.pdf |  |  | UT | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Originator Pre-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305028236 | Closed | 2025-12-30 08:09 | 2026-01-12 11:43 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-. - Due Diligence Vendor-01/12/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) . - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 |  | Acknowledged-. - Due Diligence Vendor-01/12/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) . - Due Diligence Vendor-12/30/2025 |  |  |  | MA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305028236 | Closed | 2025-12-30 08:09 | 2026-01-12 11:43 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Initial LE - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The application date is XX/XX/XXXX; however, the initial disclosures were not provided until XX/XX/XXXX.<br> - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/12/2026<br>| XXXXXX X.pdf |  |  | MA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | N/A | N/A |
| XXXXX | XXXXXX | XXXXXX | 305028236 | Closed | 2025-12-30 09:01 | 2025-12-30 09:01 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. ECOA: Appraisal Not Provided to Applicant - Due Diligence Vendor-12/30/2025 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. ECOA: Appraisal Not Provided to Applicant - Due Diligence Vendor-12/30/2025<br>|  |  |  | MA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305026477 | Closed | 2025-12-19 14:21 | 2025-12-19 14:21 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-12/19/2025 |  | 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. - Due Diligence Vendor-12/19/2025<br>|  |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305029642 | Closed | 2026-02-05 10:07 | 2026-02-05 10:07 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade 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-02/05/2026 |  | Acknowledged-S&P RA Only - Value grade 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-02/05/2026<br>|  |  |  | OH | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305026472 | Closed | 2025-12-19 14:01 | 2025-12-19 14:01 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-12/19/2025 |  | 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. - Due Diligence Vendor-12/19/2025<br>|  |  |  | CA | Second Home | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305028235 | Closed | 2025-12-29 13:21 | 2025-12-29 13:21 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-12/29/2025 |  | 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. - Due Diligence Vendor-12/29/2025<br>|  |  |  | FL | Second Home | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305029629 | Closed | 2026-01-08 13:27 | 2026-01-08 13:27 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-01/08/2026 |  | 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. - Due Diligence Vendor-01/08/2026<br>|  |  |  | PA | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305028233 | Closed | 2025-12-29 13:21 | 2025-12-29 13:21 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-12/29/2025 |  | 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. - Due Diligence Vendor-12/29/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305029640 | Closed | 2026-01-02 05:10 | 2026-01-02 05:10 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-01/02/2026 |  | 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. - Due Diligence Vendor-01/02/2026<br>|  |  |  | MN | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305028232 | Closed | 2025-12-31 09:45 | 2025-12-31 09:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-12/31/2025 |  | 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. - Due Diligence Vendor-12/31/2025<br>|  |  |  | MT | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305028230 | Closed | 2026-01-06 09:43 | 2026-01-06 09:43 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-01/06/2026 |  | 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. - Due Diligence Vendor-01/06/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305029637 | Closed | 2025-12-31 13:25 | 2025-12-31 13:25 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-12/31/2025 |  | 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. - Due Diligence Vendor-12/31/2025<br>|  |  |  | SC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305028228 | Closed | 2026-01-06 12:22 | 2026-01-06 12:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-01/06/2026 |  | 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. - Due Diligence Vendor-01/06/2026<br>|  |  |  | UT | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305029627 | Closed | 2026-01-08 16:16 | 2026-01-20 21:20 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Received lender attestation of no insurance claims between XX/XX/XXXX and XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-No claims attestation - Due Diligence Vendor-01/16/2026 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-01/08/2026 |  | Acknowledged-Received lender attestation of no insurance claims between XX/XX/XXXX and XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/21/2026 | XXXXXX X.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305028224 | Closed | 2026-01-02 06:55 | 2026-01-11 11:24 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-CU score provided. - Due Diligence Vendor-01/11/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/11/2026 <br>Ready for Review-Invalid ask - Third party valuation not required when CU/LCA score are within tolerance - Due Diligence Vendor-01/09/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/02/2026 |  | Resolved-CU score provided. - Due Diligence Vendor-01/11/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/11/2026<br>| XXXXXX X.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| XXXXX | XXXXXX | XXXXXX | 305028223 | Closed | 2026-01-13 06:32 | 2026-01-20 18:00 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Received PUD rider and recording info. Condition cleared. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-RDOT - Due Diligence Vendor-01/20/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-01/13/2026 |  | Resolved-Received PUD rider and recording info. Condition cleared. - Due Diligence Vendor-01/21/2026<br>| XXXXXX X.pdf XXXXXX X.pdf |  |  | WA | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| XXXXX | XXXXXX | XXXXXX | 305026474 | Closed | 2025-12-19 03:27 | 2025-12-19 03:27 | Acknowledged | 2 - Non-Material | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Acknowledged-Flood Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Flood Insurance Effective Date of XX/XX/XXXX is same as Disbursement Date - Due Diligence Vendor-12/19/2025 |  | Acknowledged-Flood Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Flood Insurance Effective Date of XX/XX/XXXX is same as Disbursement Date - Due Diligence Vendor-12/19/2025 |  |  |  | NM | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305026474 | Closed | 2025-12-19 03:27 | 2025-12-19 03:27 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXXX is same as Disbursement Date - Due Diligence Vendor-12/19/2025 |  | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXXX is same as Disbursement Date - Due Diligence Vendor-12/19/2025 |  |  |  | NM | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305028222 | Closed | 2026-01-15 10:28 | 2026-01-20 18:14 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/21/2026 <br>Ready for Review-evidence of rate lock - Due Diligence Vendor-01/20/2026 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-01/15/2026 |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/21/2026<br>| XXXXXX X.pdf |  |  | TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | N/A | N/A |
| XXXXX | XXXXXX | XXXXXX | 305028222 | Closed | 2026-01-14 05:53 | 2026-01-15 11:49 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/15/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/15/2026<br>|  |  |  | TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305028222 | Closed | 2026-01-15 11:39 | 2026-01-15 11:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-01/15/2026 |  | 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. - Due Diligence Vendor-01/15/2026<br>|  |  |  | TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305029626 | Closed | 2026-01-13 07:54 | 2026-02-05 10:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-02/05/2026 <br>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. - Due Diligence Vendor-01/13/2026 |  | 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. - Due Diligence Vendor-01/13/2026<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305029634 | Closed | 2026-01-02 09:57 | 2026-01-02 09:59 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-01/02/2026 |  | 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. - Due Diligence Vendor-01/02/2026<br>|  |  |  | MO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305029633 | Closed | 2025-12-31 06:08 | 2025-12-31 06:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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. - Due Diligence Vendor-12/31/2025 |  | 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. - Due Diligence Vendor-12/31/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305028219 | Closed | 2026-01-08 03:10 | 2026-01-08 03:10 | Acknowledged | 2 - Non-Material | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Acknowledged-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXXX is as same as the Disbursement Date of XX/XX/XXXX. - Due Diligence Vendor-01/08/2026 |  | Acknowledged-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXXX is as same as the Disbursement Date of XX/XX/XXXX. - Due Diligence Vendor-01/08/2026 |  |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| XXXXX | XXXXXX | XXXXXX | 305028218 | Closed | 2026-01-02 08:21 | 2026-01-12 11:24 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/12/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/12/2026 <br> Ready for Review-PCCD - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-01/02/2026 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-01/12/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/12/2026<br>| XXXXXX X.pdf |  |  | CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXX | N/A | N/A |

---

## Exhibit 99.19

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

**Exhibit 99.19**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXXXXXX | XXXXXX | 304898436 | $XXXXXXX B A |
| XXXXXXXX | XXXXXX | 305024771 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 304903219 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 304893387 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 305012737 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 304907159 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 304893919 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305013573 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 304897416 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305024022 | $XXXXXXX A C |
| XXXXXXXX | XXXXXX | 305012436 | $XXXXXXX A C |
| XXXXXXXX | XXXXXX | 304904591 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 304911419 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 304907243 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 304909637 | $XXXXXXX C A B |
| XXXXXXXX | XXXXXX | 304911772 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305012767 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 304896740 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 304909450 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305013431 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 305028960 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 304862186 | $XXXXXXX C A D B |
| XXXXXXXX | XXXXXX | 305028959 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305028957 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 304892924 | $XXXXXXX A C B |
| XXXXXXXX | XXXXXX | 305028955 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 305028239 | $XXXXXXX D B A |
| XXXXXXXX | XXXXXX | 305028237 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305028236 | $XXXXXXX A C B |
| XXXXXXXX | XXXXXX | 305029644 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305026477 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 305029630 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305029643 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305029642 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 305026472 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 305026476 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305029641 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305028235 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 305028234 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305026475 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305029629 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 305028233 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 305029640 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 305028232 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 305029639 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305026471 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305028230 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 305029638 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305029637 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 305028229 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305029636 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305028228 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 305029627 | $XXXXXXX C A B |
| XXXXXXXX | XXXXXX | 305029635 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305028226 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305028225 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305028224 | $XXXXXXX A C |
| XXXXXXXX | XXXXXX | 305028223 | $XXXXXXX A D |
| XXXXXXXX | XXXXXX | 305026474 | $XXXXXXX B A |
| XXXXXXXX | XXXXXX | 305028222 | $XXXXXXX A D B |
| XXXXXXXX | XXXXXX | 305028221 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305029626 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305028220 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305029625 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305029634 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 305029633 | $XXXXXXX A B |
| XXXXXXXX | XXXXXX | 305029632 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305028219 | $XXXXXXX B A |
| XXXXXXXX | XXXXXX | 305028218 | $XXXXXXX A C |
| XXXXXXXX | XXXXXX | 305029624 | $XXXXXXX A |
| XXXXXXXX | XXXXXX | 305029623 | $XXXXXXX A |

---

## Exhibit 99.20

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

**Exhibit 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| XXXXXXX | XXXXXXX | 304898436 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0115 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | 305024771 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 304903219 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 60.79 | 60.79 |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0079 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | 304893387 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305012737 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 60.0 | 60.0 | $XXXXX | $XXXXX | .0263 | Collateral Underwriter (CU) |  |  |  |  | $XXXXXX | $XXXXXX | .0263 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 304907159 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 304893919 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 67.45 | 67.45 |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .1585 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | 305013573 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | .0713 | AVM |  |  |  |  | .0 |  |  |  |  | $XXXXXX | $XXXXXX | .0713 | 92.0 | 0.08 | Other | CA IAVM | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 304897416 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305024022 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 62.62 | 62.62 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305012436 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 56.12 | 56.12 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 304904591 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 84.99 | 84.99 | $XXXXX | $XXXXX | .0088 | AVM |  |  |  |  | .0 |  |  |  |  | $XXXXXX | $XXXXXX | .0088 | 93.0 | 0.07 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 304911419 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | 304907243 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
| XXXXXXX | XXXXXXX | 304909637 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 20.65 | 20.65 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | 304911772 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305012767 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 89.9 | 89.9 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 304896740 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 304909450 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible | 1.8 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305013431 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | .0618 | AVM |  |  |  |  | .0 |  |  |  |  | $XXXXXX | $XXXXXX | .0618 | 95.0 | 0.05 | XXXXXXX | ClearAVM | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | 305028960 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 304862186 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 69.1 | 69.1 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | $XXXXXX | $XXXXXX | .0226 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305028959 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305028957 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | 304892924 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 41.57 | 41.57 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305028955 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305028239 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 69.69 | 69.69 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | 305028237 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.92 | 70.92 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305028236 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 52.06 | 52.06 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029644 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 40.94 | 46.65 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305026477 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 71.55 | 71.55 | $XXXXX | $XXXXX | -.0762 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -.0762 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX | Not Eligible |  | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029630 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029643 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029642 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | -.1928 | AVM |  |  |  |  | .0 |  |  |  |  | $XXXXXX | $XXXXXX | -.1928 | 89.0 | 0.11 | Other | Other | XX/XX/XXXX | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | 305026472 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305026476 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 61.58 | 61.58 |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | 305029641 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305028235 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305028234 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 65.0 | 65.0 | $XXXXX | $XXXXX | -.0018 | AVM |  |  |  |  | .0 |  |  |  |  | $XXXXXX | $XXXXXX | -.0018 | 95.0 | 0.05 | Other | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305026475 | XX/XX/XXXX | $XXXXXXXX |  | $XXXXXXXX | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 74.08 | 74.08 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029629 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | -.0602 | AVM |  |  |  |  | .0 |  |  |  |  | $XXXXXX | $XXXXXX | -.0602 | 93.0 | 0.07 | Other | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XX/XX/XXXX | Not Eligible |  |  |
| XXXXXXX | XXXXXXX | 305028233 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | $XXXXX | .0092 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0092 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029640 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | -.0323 | AVM |  |  |  |  | .0 |  |  |  |  | $XXXXXX | $XXXXXX | -.0323 | 96.0 | 0.04 | Other | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305028232 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029639 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 77.58 | 77.58 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305026471 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 2 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305028230 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 52.76 | 52.76 | $XXXXX | $XXXXX | -.0039 | AVM |  |  |  |  | .0 |  |  |  |  | $XXXXXX | $XXXXXX | -.0039 | 95.0 | 0.05 | Other | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029638 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 71.76 | 71.76 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029637 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 62.53 | 62.53 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX | Not Eligible |  |  |
| XXXXXXX | XXXXXXX | 305028229 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029636 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305028228 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.26 | 75.26 | $XXXXX | $XXXXX | -.0030 | AVM |  |  |  |  | .0 |  |  |  |  | $XXXXXX | $XXXXXX | -.0030 | 94.0 | 0.06 | Other | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029627 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029635 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 78.37 | 78.37 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305028226 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | .0367 | AVM |  |  |  |  | .0 |  |  |  |  | $XXXXXX | $XXXXXX | .0367 | 86.0 | 0.14 | Other | Other | XX/XX/XXXX | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | 305028225 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 56.54 | 56.54 | $XXXXX | $XXXXX | -.0627 | AVM |  |  |  |  | .0 |  |  |  |  | $XXXXXX | $XXXXXX | -.0627 | 96.0 | 0.04 | Other | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | 305028224 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 74.2 | 74.2 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305028223 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 50.0 | 50.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible | 1.2 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305026474 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 72.38 | 72.38 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | 305028222 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 69.98 | 69.98 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305028221 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 79.93 | 79.93 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible | 1.7 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029626 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 72.4 | 72.4 | $XXXXX | $XXXXX | -.0388 | AVM |  |  |  |  | .0 |  |  |  |  | $XXXXXX | $XXXXXX | -.0388 | 92.0 | 0.08 | Other | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 4 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305028220 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 65.57 | 65.57 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029625 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 58.78 | 58.78 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029634 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 33.33 | 33.33 | $XXXXX | $XXXXX | -.0116 | AVM |  |  |  |  | .0 |  |  |  |  | $XXXXXX | $XXXXXX | -.0116 | 94.0 | 0.06 | Other | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX | Not Eligible |  |  |
| XXXXXXX | XXXXXXX | 305029633 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | -.0005 | AVM |  |  |  |  | .0 |  |  |  |  | $XXXXXX | $XXXXXX | -.0005 | 96.0 | 0.04 | Other | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029632 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305028219 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305028218 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 60.68 | 60.68 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible | 1.2 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029624 | XX/XX/XXXX | $XXXXXXXX |  | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 21.36 | 21.36 | $XXXXX | $XXXXX | -.0078 | AVM |  |  |  |  | .0 |  |  |  |  | $XXXXXX | $XXXXXX | -.0078 | 93.0 | 0.07 | Other | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | 305029623 | XX/XX/XXXX | $XXXXXXXX | $XXXXXXXX | 0 | $XXXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |

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