# EDGAR Filing Document

**Accession Number:** 0001991364
**File Stem:** 0001999371-26-012569
**Filing Date:** 2026-6
**Character Count:** 708666
**Document Hash:** 03d8ee19d1905a511787cb5dfa4026ea
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-012569.hdr.sgml**: 20260610

**ACCESSION NUMBER**: 0001999371-26-012569

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

**PUBLIC DOCUMENT COUNT**: 16

**CONFORMED PERIOD OF REPORT**: 20260610

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

**FILED AS OF DATE**: 20260610

**DATE AS OF CHANGE**: 20260610

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Other/Combined

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Residential Mortgage Acceptance Corp.
- **CENTRAL INDEX KEY:** 0001991364
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 061572996
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06667
- **FILM NUMBER:** 261079761

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

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Residential Mortgage Acceptance Corp.
- **CENTRAL INDEX KEY:** 0001991364
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 061572996
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

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

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

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549<br>** 

<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 RESIDENTIAL MORTGAGE ACCEPTANCE CORP.</u>**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

Name and telephone number, including area code, of the person<br> 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: <u>0001991364</u>

CHASE HOME LENDING MORTGAGE TRUST 2026-AGY1

(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): <u>Not applicable</u>

Central Index Key Number of underwriter (if applicable): <u>Not applicable</u> 

Bithun John, 212-834-4890

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

**FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

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

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

**SIGNATURES**

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

J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP.

Date: June 10, 2026

By: <u>/s/ Bithun John</u>

Name: Bithun John

Title: President

**EXHIBIT INDEX**

<u>Exhibit Number</u>

99.1 [AMC Diligence, LLC ("AMC") Pool 1 Executive Summary](ex99-1.htm)

[Schedule 1 - Pool 1 AMC Rating Agency Grades](ex99-1s1.htm)

[Schedule 2 - Pool 1 AMC Exception Grades](ex99-1s2.htm)

[Schedule 3 - Pool 1 AMC Valuation Summary](ex99-1s3.htm)

[Schedule 4 - Pool 1 AMC Data Compare Summary (Total)](ex99-1s4.htm)

[Schedule 5 - Pool 1 AMC Data Compare](ex99-1s5.htm)

99.2 [AMC Diligence, LLC ("AMC") Pool 2 Executive Summary](ex99-2.htm)

[Schedule 1 - Pool 2 AMC Rating Agency Grades](ex99-2s1.htm)

[Schedule 2 - Pool 2 AMC Exception Grades](ex99-2s2.htm)

[Schedule 3 - Pool 2 AMC Valuation Summary](ex99-2s3.htm)

[Schedule 4 - Pool 2 AMC Data Compare Summary (Total)](ex99-2s4.htm)

[Schedule 5 - Pool 2 AMC Data Compare](ex99-2s5.htm)

## Exhibit 99.1

[CHASE HOME LENDING MORTGAGE TRUST 2026-AGY1 ABS-15G](chase-abs15g.htm)

**Exhibit 99.1**

**AMC Diligence, LLC ("AMC") Pool 1 Executive Summary**![](ex991001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

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

The loan in the Review carried origination dates of March 2026.

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

The Review was conducted on a total population of one (1) loan. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

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

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

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

---

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

---

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

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

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

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

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

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

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

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

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

**DU/LP/Turbo Review** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

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

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

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

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

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

**(9) Disclaimer.**

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

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY**

There was one (1) mortgage loan in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, the loan had an Overall loan grade of "A".

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|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**0** |

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**COMPLIANCE RESULTS SUMMARY**

Of the one (1) loan reviewed, under the applicable NRSRO grading criteria, the loan had a Compliance Review "A" grade.

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the one (1) loan reviewed, under the applicable NRSRO grading criteria, the loan had a Property Review "A" grade.

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**CREDIT REVIEW RESULTS SUMMARY**

Of the one (1) loan reviewed, under the applicable NRSRO grading criteria, the loan had a Credit Review "A" grade.

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the one (1) mortgage loan reviewed, there were no loans with a tape discrepancy.

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

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**0.00%** | &nbsp;&nbsp;**1** |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Originator Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1020000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1020000.00** | &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;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1020000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1020000.00** | &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;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1020000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1020000.00** | &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;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1020000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1020000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1020000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1020000.00** | &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;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1020000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1020000.00** | &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;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1020000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1020000.00** | &nbsp;&nbsp;**100.00%** |

---

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

**EXCEPTION DETAIL**

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

---

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

---

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## Exhibit 99.1

[CHASE HOME LENDING MORTGAGE TRUST 2026-AGY1 ABS-15G](chase-abs15g.htm)

**Exhibit 99.1**

**Schedule 1 - Pool 1 AMC Rating Agency Grades**![](ex99_001.gif)

**Rating Agency Grades**

**Run Date - 6/1/2026 8:01:17 PM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 225541933 |  | 3158635811 |  |  | A | A | A | A | A | A | A | A |  |

---

## Exhibit 99.1

[CHASE HOME LENDING MORTGAGE TRUST 2026-AGY1 ABS-15G](chase-abs15g.htm)

**Exhibit 99.1**

**Schedule 2 - Pool 1 AMC Exception Grades**![](ex99_001.gif)

**Exception Grades**

**Run Date - 6/1/2026 8:01:18 PM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **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** |
| 225541933 |  | 3158635811 |  | 36394288 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-05-04): Sufficient Cure Provided At Closing |  | 05/04/2026 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |

---

## Exhibit 99.1

[CHASE HOME LENDING MORTGAGE TRUST 2026-AGY1 ABS-15G](chase-abs15g.htm)

**Exhibit 99.1**

**Schedule 3 - Pool 1 AMC Valuation Summary**![](ex99_001.gif)

**Valuation Report**

**Run Date - 6/1/2026 8:01:18 PM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 225541933 |  | 3158635811 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |

---

## Exhibit 99.1

[CHASE HOME LENDING MORTGAGE TRUST 2026-AGY1 ABS-15G](chase-abs15g.htm)

**Exhibit 99.1**

**Schedule 4 - Pool 1 AMC Data Compare Summary (Total)**

![](ex99_001.gif)

**Data Compare Summary (Total)**

**Run Date - 6/1/2026 8:01:06 PM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 0 | 1 | 0.00% | 1 |
| State | 0 | 1 | 0.00% | 1 |
| Zip | 0 | 1 | 0.00% | 1 |
| Note Date | 0 | 1 | 0.00% | 1 |
| Original Loan Amount | 0 | 1 | 0.00% | 1 |
| Amortization Term | 0 | 1 | 0.00% | 1 |
| Original Interest Rate | 0 | 1 | 0.00% | 1 |
| Borrower Qualifying FICO | 0 | 1 | 0.00% | 1 |
| Amortization Type | 0 | 1 | 0.00% | 1 |
| Representative FICO | 0 | 1 | 0.00% | 1 |
| Property Type | 0 | 1 | 0.00% | 1 |
| Interest Only | 0 | 1 | 0.00% | 1 |
| Lien Position | 0 | 1 | 0.00% | 1 |
| Occupancy | 0 | 1 | 0.00% | 1 |
| Purpose | 0 | 1 | 0.00% | 1 |
| Appraised Value | 0 | 1 | 0.00% | 1 |
| Contract Sales Price | 0 | 1 | 0.00% | 1 |
| Balloon Flag | 0 | 1 | 0.00% | 1 |
| Original CLTV | 0 | 1 | 0.00% | 1 |
| Original LTV | 0 | 1 | 0.00% | 1 |
| Origination Channel | 0 | 1 | 0.00% | 1 |
| Appraisal Effective Date | 0 | 1 | 0.00% | 1 |
| Investor: Qualifying Total Debt Ratio | 0 | 1 | 0.00% | 1 |
| Initial Rate Lock Date | 0 | 1 | 0.00% | 1 |
| **Total** | **0** | **24** | **0.00%** | **1** |

---

## Exhibit 99.1

[CHASE HOME LENDING MORTGAGE TRUST 2026-AGY1 ABS-15G](chase-abs15g.htm)

**Exhibit 99.1**

**Schedule 5 - Pool 1 AMC Data Compare**![](ex99_001.gif)

**Data Compare (Non-Ignored)**

**Run Date - 6/1/2026 7:56:05 PM** 

---

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

---

## Exhibit 99.2

[CHASE HOME LENDING MORTGAGE TRUST 2026-AGY1 ABS-15G](chase-abs15g.htm)

**Exhibit 99.2**

**AMC Diligence, LLC ("AMC") Pool 2 Executive Summary**

![](ex992001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**<br> **(1) Type of assets that were reviewed.**<br> AMC Diligence, LLC ("**AMC**") performed certain due diligence services described below on non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of JPMorgan Chase Bank, N.A. ("**Client**") during May 2026 and June 2026 via files imaged and provided by JPMorgan Chase Bank, N.A. for review (the "**Review**").

The loans in the Review carried origination dates between November 2025 and April 2026.

**(2) Sample size of the assets reviewed.**<br> The Review was conducted on a total population of two hundred sixty-five (265) loans. Two hundred sixty-five (265) loans were randomly selected by AMC from a population of four hundred sixty-eight (468) loans. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

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

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

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

---

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

---

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

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

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

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

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

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![](ex992001.jpg)

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

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

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

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

**DU/LP/Turbo Review** 

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

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

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

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

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

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![](ex992001.jpg)

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

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

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

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

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

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

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

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

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

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![](ex992001.jpg)

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

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

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

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

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iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

---

| | |
|:---|:---|
| 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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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

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

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**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY**

There were two hundred sixty-five (265) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria for DBRS, Kroll, and S&P, fifty-seven (57) (21.51%) loans had an Overall loan grade of "B", nine (9) (3.40%) loans had an Overall loan grade of "C", and one (1) loan (0.38%) had an Overall loan grade of "D". After all documents were presented, under the applicable NRSRO grading criteria for Fitch, sixty-five (65) (24.53%) loans had an Overall loan grade of "B", two (2) (0.75%) loans had an Overall loan grade of "C", and zero (0) loans (0.00%) had an Overall loan grade of "D". After all documents were presented, under the applicable NRSRO grading criteria for Moodys, fifty-seven (57) (21.51%) loans had an Overall loan grade of "B", ten (10) (3.77%) loans had an Overall loan grade of "C", and zero (0) loans (0.00%) had an Overall loan grade of "D".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Exception** <br> **Type** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;1 |

---

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| | | | |
|:---|:---|:---|:---|
|  |  | ***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;7 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***10*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**11** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Credit Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**5** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;D | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;D | &nbsp;&nbsp;***Total Property Grade (D) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Property Grade (C) Exceptions:*** | &nbsp;&nbsp;***8*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;48 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***48*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**57** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**73** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception** <br> **Type** | &nbsp;&nbsp;**Fitch Final** <br> **Exception** <br> **Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &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;***10*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**11** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Credit Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**5** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;49 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***57*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**57** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**73** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception** <br> **Type** | &nbsp;&nbsp;**Moodys Final** <br> **Exception** <br> **Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &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;***10*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**11** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Credit Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**5** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Property Grade (C) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;48 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***48*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**57** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**73** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the two hundred sixty-five (265) loans reviewed, under the applicable NRSRO grading criteria, nine (9) loans (3.40%) had a Compliance Review "B" grade, and one (1) loan (0.38%) had a Compliance Review "C" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;255 | &nbsp;&nbsp;96.23% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.40% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the two hundred sixty-five (265) loans reviewed, under the applicable NRSRO grading criteria for DBRS, Kroll and S&P, forty-eight (48) loans (18.11%) had a Property Review "B" grade, eight (8) loans (3.02%) had a Property Review "C" grade, and one (1) loan (0.38%) had a "D" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO S&P, DBRS, and Kroll Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;208 | &nbsp;&nbsp;78.49% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;48 | &nbsp;&nbsp;18.11% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.02% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |

---

Of the two hundred sixty-five (265) loans reviewed, under the applicable NRSRO grading criteria for Fitch, two hundred eight (208) loans (78.48%) had a Property Review "A" grade, and fifty-seven (57) loans (21.51%) had a Property Review "B" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;208 | &nbsp;&nbsp;78.49% |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;B | &nbsp;&nbsp;57 | &nbsp;&nbsp;21.51% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Of the two hundred sixty-five (265) loans reviewed, under the applicable NRSRO grading criteria for Moodys, two hundred eight (208) loans (78.49%) had a Property Review "A" grade, forty-eight (48) loans (18.11%) had a Property Review "B" grade, and nine (9) loans (3.40%) had a Property Review "C" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Moody's Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;208 | &nbsp;&nbsp;78.49% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;48 | &nbsp;&nbsp;18.11% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.40% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**CREDIT REVIEW RESULTS SUMMARY**

Of the two hundred sixty-five (265) loans reviewed, under the applicable NRSRO grading criteria, two hundred sixty (260) mortgage loans (98.11%) of the total received an "A" Credit Review grade. Four (4) mortgage loans (1.51%) of the total received a "B" Credit Review grades and were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets. One (1) mortgage loan (0.38%) of the total received a "C" Credit Review grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;260 | &nbsp;&nbsp;98.11% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.51% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred sixty-five (265) mortgage loans reviewed, fifty-five (55) (20.75%) mortgage loans had tape discrepancies across ten (10) unique data fields. The most common tape discrepancies were Initial Rate Lock Date (12.83%), Investor: Qualifying Total Debt Ratio (2.64%) and Property Type (1.89%). AMC found generally that the DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With** <br> **Discrepancy** | &nbsp;&nbsp;**Total Times** <br> **Compared** | &nbsp;&nbsp;**%** <br> **Variance** | &nbsp;&nbsp;**# Of** <br> **Loans** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;207 | &nbsp;&nbsp;1.45% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;4 | &nbsp;&nbsp;265 | &nbsp;&nbsp;1.51% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;146 | &nbsp;&nbsp;0.68% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;34 | &nbsp;&nbsp;265 | &nbsp;&nbsp;12.83% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;265 | &nbsp;&nbsp;2.64% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;265 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;265 | &nbsp;&nbsp;1.89% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**58** | &nbsp;&nbsp;**6448** | &nbsp;&nbsp;**0.90%** | &nbsp;&nbsp;**265** |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Originator Loan Designation** | &nbsp;&nbsp;**Loan** <br> **Count** | &nbsp;&nbsp;**% of** <br> **Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of** <br> **Balance** |
| &nbsp;&nbsp;Higher Priced QM (APOR) | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.13% | &nbsp;&nbsp;$333200.00 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;262 | &nbsp;&nbsp;98.87% | &nbsp;&nbsp;$179641677.00 | &nbsp;&nbsp;99.81% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$179974877.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan** <br> **Count** | &nbsp;&nbsp;**% of** <br> **Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of** <br> **Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;265 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$179974877.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$179974877.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan** <br> **Count** | &nbsp;&nbsp;**% of** <br> **Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of** <br> **Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;265 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$179974877.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$179974877.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan** <br> **Count** | &nbsp;&nbsp;**% of** <br> **Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of** <br> **Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;65 | &nbsp;&nbsp;24.53% | &nbsp;&nbsp;$29790189.00 | &nbsp;&nbsp;16.55% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;$609692.00 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;30 | &nbsp;&nbsp;11.32% | &nbsp;&nbsp;$23055758.00 | &nbsp;&nbsp;12.81% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;60 | &nbsp;&nbsp;22.64% | &nbsp;&nbsp;$43323958.00 | &nbsp;&nbsp;24.07% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;109 | &nbsp;&nbsp;41.13% | &nbsp;&nbsp;$83195280.00 | &nbsp;&nbsp;46.23% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$179974877.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan** <br> **Count** | &nbsp;&nbsp;**% of** <br> **Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of** <br> **Balance** |
| &nbsp;&nbsp;0-120 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;$86000.00 | &nbsp;&nbsp;0.05% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.77% | &nbsp;&nbsp;$2414770.00 | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.89% | &nbsp;&nbsp;$1715200.00 | &nbsp;&nbsp;0.95% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;249 | &nbsp;&nbsp;93.96% | &nbsp;&nbsp;$175758907.00 | &nbsp;&nbsp;97.66% |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$179974877.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan** <br> **Count** | &nbsp;&nbsp;**% of** <br> **Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of** <br> **Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;134 | &nbsp;&nbsp;50.57% | &nbsp;&nbsp;$95178497.00 | &nbsp;&nbsp;52.88% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.75% | &nbsp;&nbsp;$1728000.00 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;29 | &nbsp;&nbsp;10.94% | &nbsp;&nbsp;$20177067.00 | &nbsp;&nbsp;11.21% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.26% | &nbsp;&nbsp;$3747150.00 | &nbsp;&nbsp;2.08% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;83 | &nbsp;&nbsp;31.32% | &nbsp;&nbsp;$49528163.00 | &nbsp;&nbsp;27.52% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.13% | &nbsp;&nbsp;$2595000.00 | &nbsp;&nbsp;1.44% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.26% | &nbsp;&nbsp;$4739000.00 | &nbsp;&nbsp;2.63% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.75% | &nbsp;&nbsp;$2282000.00 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$179974877.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan** <br> **Count** | &nbsp;&nbsp;**% of** <br> **Loans** | &nbsp;&nbsp;**Original** <br> **Balance** | &nbsp;&nbsp;**% of** <br> **Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;263 | &nbsp;&nbsp;99.25% | &nbsp;&nbsp;$178504877.00 | &nbsp;&nbsp;99.18% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.75% | &nbsp;&nbsp;$1470000.00 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$179974877.00** | &nbsp;&nbsp;**100.00%** |

---

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

**EXCEPTION DETAIL**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS, Kroll, and S&P Exceptions** | &nbsp;&nbsp;**Exception** <br> **Type** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;RESPA - Initial Escrow Account Statement Missing | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | &nbsp;&nbsp;Property &nbsp;&nbsp;D | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | &nbsp;&nbsp;Property &nbsp;&nbsp;C | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | &nbsp;&nbsp;Property &nbsp;&nbsp;B | &nbsp;&nbsp;48 |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Exceptions** | &nbsp;&nbsp;**Exception** <br> **Type** | &nbsp;&nbsp;**Grade** <br> **Impact** | &nbsp;&nbsp;**Total** |

---

16 \| P a g e

![](ex992001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;Compliance&nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;RESPA - Initial Escrow Account Statement Missing | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | &nbsp;&nbsp;Property &nbsp;&nbsp;B | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | &nbsp;&nbsp;Property &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | &nbsp;&nbsp;Property &nbsp;&nbsp;B | &nbsp;&nbsp;48 |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moody's Exceptions** | &nbsp;&nbsp;**Exception** <br> **Type** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;RESPA - Initial Escrow Account Statement Missing | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | &nbsp;&nbsp;Property &nbsp;&nbsp;C | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | &nbsp;&nbsp;Property &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | &nbsp;&nbsp;Property &nbsp;&nbsp;B | &nbsp;&nbsp;48 |

---

17 \| P a g e

## Exhibit 99.2

[CHASE HOME LENDING MORTGAGE TRUST 2026-AGY1 ABS-15G](chase-abs15g.htm)

**Exhibit 99.2**

**Schedule 1 - Pool 2 AMC Rating Agency Grades**

![](ex99_001.gif)

**Rating Agency Grades**

**Run Date - 6/9/2026 5:32:56 PM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 225674886 |  | 3158635613 |  |  | A | A | A | A | A | A | A | A |  |
| 225674887 |  | 3158635614 |  |  | A | C | A | C | A | A | A | A |  |
| 225674888 |  | 3158635618 |  |  | A | A | A | A | A | A | A | A |  |
| 225674889 |  | 3158635619 |  |  | C | A | D B C | D C | A | A | C B | C B |  |
| 225674890 |  | 3158635623 |  |  | A | C | A | C | A | A | A | A |  |
| 225674891 |  | 3158635627 |  |  | A | C | A | C | A | A | A | A |  |
| 225674892 |  | 3158635628 |  |  | A | A | A | A | A | A | A | A |  |
| 225674893 |  | 3158635632 |  |  | A | C | A | C | A | A | A | A |  |
| 225674894 |  | 3158635635 |  |  | C | C | D B C | D C | A | A | B | B |  |
| 225674895 |  | 3158635637 |  |  | A | C | A | C | A | A | A | A |  |
| 225674896 |  | 3158635638 |  |  | A | A | A | A | A | A | A | A |  |
| 225674897 |  | 3158635639 |  |  | C | A | D B C | D C | C | A | D B C | D C |  |
| 225674898 |  | 3158635640 |  |  | A | C | A | C | A | A | A | A |  |
| 225674899 |  | 3158635642 |  |  | A | C | A | C | A | A | A | A |  |
| 225674900 |  | 3158635643 |  |  | A | C | A | C | A | A | A | A |  |
| 225674901 |  | 3158635644 |  |  | A | A | A | A | A | A | A | A |  |
| 225674902 |  | 3158635645 |  |  | A | C | A | C | A | A | A | A |  |
| 225674903 |  | 3158635647 |  |  | A | C | A | C | A | A | A | A |  |
| 225674904 |  | 3158635650 |  |  | A | A | A | A | A | A | A | A |  |
| 225674905 |  | 3158635651 |  |  | A | A | A | A | A | A | A | A |  |
| 225674906 |  | 3158635655 |  |  | A | C | A | C | A | A | A | A |  |
| 225674907 |  | 3158635656 |  |  | C | C | A | C | A | A | A | A |  |
| 225674908 |  | 3158635658 |  |  | A | A | A | A | A | A | A | A |  |
| 225674909 |  | 3158635659 |  |  | A | A | A | A | A | A | A | A |  |
| 225674910 |  | 3158635661 |  |  | A | A | A | A | A | A | A | A |  |
| 225674911 |  | 3158635662 |  |  | A | C | A | C | A | A | A | A |  |
| 225674912 |  | 3158635663 |  |  | A | C | A | C | A | A | A | A |  |
| 225674913 |  | 3158635666 |  |  | A | A | A | A | A | A | A | A |  |
| 225674914 |  | 3158635668 |  |  | A | A | A | A | A | A | A | A |  |
| 225674915 |  | 3158635669 |  |  | A | C | A | C | A | A | A | A |  |
| 225674916 |  | 3158635671 |  |  | A | C | A | C | A | A | A | A |  |
| 225674917 |  | 3158635672 |  |  | A | A | A | A | A | A | A | A |  |
| 225674918 |  | 3158635674 |  |  | A | A | A | A | A | A | A | A |  |
| 225674919 |  | 3158635684 |  |  | A | A | A | A | A | A | A | A |  |
| 225674920 |  | 3158635685 |  |  | A | C | D | D | A | A | A | A |  |
| 225674921 |  | 3158635686 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225674922 |  | 3158635688 |  |  | A | A | A | A | A | A | A | A |  |
| 225674923 |  | 3158635689 |  |  | A | C | A | C | A | A | A | A |  |
| 225674924 |  | 3158635692 |  |  | A | C | A | C | A | A | A | A |  |
| 225674925 |  | 3158635693 |  |  | A | C | A | C | A | A | A | A |  |
| 225674926 |  | 3158635695 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225674927 |  | 3158635696 |  |  | A | C | A | C | A | A | A | A |  |
| 225674928 |  | 3158635698 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225674929 |  | 3158635699 |  |  | A | A | A | A | A | A | A | A |  |
| 225674930 |  | 3158635700 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225674931 |  | 3158635701 |  |  | A | A | A | A | A | A | A | A |  |
| 225674932 |  | 3158635702 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225674933 |  | 3158635703 |  |  | A | A | A | A | A | A | A | A |  |
| 225674934 |  | 3158635706 |  |  | A | C | A | C | A | A | A | A |  |
| 225674935 |  | 3158635707 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225674936 |  | 3158635709 |  |  | A | A | A | A | A | A | A | A |  |
| 225674937 |  | 3158635711 |  |  | A | A | A | A | A | A | A | A |  |
| 225674938 |  | 3158635714 |  |  | A | A | A | A | A | A | A | A |  |
| 225674939 |  | 3158635716 |  |  | A | A | A | A | A | A | A | A |  |
| 225674940 |  | 3158635718 |  |  | A | A | A | A | A | A | A | A |  |
| 225674941 |  | 3158635720 |  |  | A | C | A | C | A | A | A | A |  |
| 225674942 |  | 3158635724 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225674943 |  | 3158635728 |  |  | A | C | A | C | A | A | A | A |  |
| 225674944 |  | 3158635729 |  |  | C | A | D B C | D C | A | A | C B | C B |  |
| 225674945 |  | 3158635731 |  |  | A | C | A | C | A | A | A | A |  |
| 225674946 |  | 3158635734 |  |  | A | A | D B C | D B C | A | A | B | B |  |
| 225674947 |  | 3158635737 |  |  | C | C | D B C | D C | A | A | B | B |  |
| 225674948 |  | 3158635738 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225674949 |  | 3158635739 |  |  | A | A | A | A | A | A | A | A |  |
| 225674950 |  | 3158635741 |  |  | C | C | A | C | A | A | A | A |  |
| 225674951 |  | 3158635742 |  |  | A | C | A | C | A | A | A | A |  |
| 225674952 |  | 3158635743 |  |  | A | C | A | C | A | A | A | A |  |
| 225674953 |  | 3158635744 |  |  | A | A | A | A | A | A | A | A |  |
| 225674954 |  | 3158635746 |  |  | A | A | D | D | A | A | A | A |  |
| 225674955 |  | 3158635747 |  |  | A | A | A | A | A | A | A | A |  |
| 225674956 |  | 3158635748 |  |  | A | A | A | A | A | A | A | A |  |
| 225674957 |  | 3158635749 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225674958 |  | 3158635751 |  |  | A | C | A | C | A | A | A | A |  |
| 225674959 |  | 3158635752 |  |  | A | C | A | C | A | A | A | A |  |
| 225674960 |  | 3158635755 |  |  | A | A | A | A | A | A | A | A |  |
| 225674961 |  | 3158635756 |  |  | C | C | A | C | B | A | A | B |  |
| 225674962 |  | 3158635758 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225674963 |  | 3158635760 |  |  | A | C | A | C | A | A | A | A |  |
| 225674964 |  | 3158635761 |  |  | A | A | A | A | A | A | A | A |  |
| 225674965 |  | 3158635762 |  |  | A | C | A | C | A | A | A | A |  |
| 225674966 |  | 3158635763 |  |  | A | C | D | D | A | A | A | A |  |
| 225674967 |  | 3158635764 |  |  | C | A | D B C | D C | A | A | C B | C B |  |
| 225674968 |  | 3158635769 |  |  | A | A | A | A | A | A | A | A |  |
| 225674969 |  | 3158635771 |  |  | A | C | A | C | A | A | A | A |  |
| 225674970 |  | 3158635772 |  |  | A | C | A | C | A | A | A | A |  |
| 225674971 |  | 3158635773 |  |  | A | C | A | C | A | A | A | A |  |
| 225674972 |  | 3158635774 |  |  | A | A | A | A | A | A | A | A |  |
| 225674973 |  | 3158635775 |  |  | A | C | A | C | A | A | A | A |  |
| 225674974 |  | 3158635776 |  |  | A | A | A | A | A | A | A | A |  |
| 225674975 |  | 3158635777 |  |  | A | C | A | C | A | A | A | A |  |
| 225674976 |  | 3158635778 |  |  | A | A | A | A | A | A | A | A |  |
| 225674977 |  | 3158635779 |  |  | A | C | A | C | A | A | A | A |  |
| 225674978 |  | 3158635780 |  |  | A | A | A | A | A | A | A | A |  |
| 225674979 |  | 3158635784 |  |  | A | A | D B C | D B C | A | A | B | B |  |
| 225674980 |  | 3158635785 |  |  | A | C | A | C | A | A | A | A |  |
| 225674981 |  | 3158635786 |  |  | A | A | A | A | A | A | A | A |  |
| 225674982 |  | 3158635787 |  |  | A | C | A | C | A | A | A | A |  |
| 225674983 |  | 3158635788 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225674984 |  | 3158635789 |  |  | A | C | D | D | A | A | A | A |  |
| 225674985 |  | 3158635790 |  |  | A | A | A | A | A | A | A | A |  |
| 225674986 |  | 3158635792 |  |  | C | C | D B C | D C | A | A | B | B |  |
| 225674987 |  | 3158635793 |  |  | A | C | A | C | A | A | A | A |  |
| 225674988 |  | 3158635794 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225674989 |  | 3158635795 |  |  | A | C | A | C | A | A | A | A |  |
| 225674990 |  | 3158635796 |  |  | A | A | A | A | A | A | A | A |  |
| 225674991 |  | 3158635799 |  |  | C | C | D B C | D C | A | A | B | B |  |
| 225674992 |  | 3158635800 |  |  | C | C | D B C | D C | A | A | B | B |  |
| 225674993 |  | 3158635801 |  |  | A | A | A | A | A | A | A | A |  |
| 225674994 |  | 3158635802 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225674995 |  | 3158635803 |  |  | A | A | A | A | A | A | A | A |  |
| 225674996 |  | 3158635805 |  |  | A | A | A | A | A | A | A | A |  |
| 225674997 |  | 3158635807 |  |  | A | A | A | A | A | A | A | A |  |
| 225674998 |  | 3158635810 |  |  | A | C | A | C | A | A | A | A |  |
| 225674999 |  | 3158635814 |  |  | A | A | A | A | A | A | A | A |  |
| 225675000 |  | 3158635815 |  |  | A | C | A | C | A | A | A | A |  |
| 225675001 |  | 3158635817 |  |  | A | A | A | A | A | A | A | A |  |
| 225675002 |  | 3158635822 |  |  | A | C | A | C | A | A | A | A |  |
| 225675003 |  | 3158635824 |  |  | A | A | A | A | A | A | A | A |  |
| 225675004 |  | 3158635826 |  |  | A | A | A | A | A | A | A | A |  |
| 225675005 |  | 3158635828 |  |  | C | C | D B C | D C | A | A | B | B |  |
| 225675006 |  | 3158635830 |  |  | A | C | A | C | A | A | A | A |  |
| 225675007 |  | 3158635831 |  |  | A | C | A | C | A | A | A | A |  |
| 225675008 |  | 3158635832 |  |  | C | C | D B C | D C | A | A | C B | C B |  |
| 225675009 |  | 3158635833 |  |  | A | C | A | C | A | A | A | A |  |
| 225675010 |  | 3158635834 |  |  | A | A | A | A | A | A | A | A |  |
| 225675011 |  | 3158635837 |  |  | A | A | A | A | A | A | A | A |  |
| 225675012 |  | 3158635840 |  |  | A | C | A | C | A | A | A | A |  |
| 225675013 |  | 3158635841 |  |  | A | C | A | C | A | A | A | A |  |
| 225675014 |  | 3158635844 |  |  | A | A | A | A | A | A | A | A |  |
| 225675015 |  | 3158635845 |  |  | A | A | A | A | A | A | A | A |  |
| 225675016 |  | 3158635847 |  |  | A | C | A | C | A | A | A | A |  |
| 225675017 |  | 3158635848 |  |  | A | C | A | C | A | B | A | B |  |
| 225675018 |  | 3158635849 |  |  | C | C | A | C | A | A | A | A |  |
| 225675019 |  | 3158635850 |  |  | B | C | A | C | B | A | A | B |  |
| 225675020 |  | 3158635851 |  |  | A | C | A | C | A | A | A | A |  |
| 225675021 |  | 3158635852 |  |  | A | A | A | A | A | A | A | A |  |
| 225675022 |  | 3158635855 |  |  | A | A | A | A | A | A | A | A |  |
| 225675023 |  | 3158635856 |  |  | C | C | D B C | D C | A | B | B | B |  |
| 225675024 |  | 3158635857 |  |  | A | A | A | A | A | A | A | A |  |
| 225675025 |  | 3158635858 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225675026 |  | 3158635860 |  |  | A | A | A | A | A | A | A | A |  |
| 225675027 |  | 3158635862 |  |  | A | A | A | A | A | A | A | A |  |
| 225675028 |  | 3158635864 |  |  | A | C | A | C | A | A | A | A |  |
| 225675029 |  | 3158635865 |  |  | A | A | A | A | A | A | A | A |  |
| 225675030 |  | 3158635869 |  |  | A | A | A | A | A | A | A | A |  |
| 225675031 |  | 3158635870 |  |  | A | C | A | C | A | A | A | A |  |
| 225675032 |  | 3158635874 |  |  | A | A | A | A | A | A | A | A |  |
| 225675033 |  | 3158635876 |  |  | A | A | A | A | A | A | A | A |  |
| 225675034 |  | 3158635878 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225675035 |  | 3158635880 |  |  | A | A | A | A | A | A | A | A |  |
| 225675036 |  | 3158635881 |  |  | B | A | A | B | A | A | A | A |  |
| 225675037 |  | 3158635882 |  |  | A | A | D B C | D B C | A | A | B | B |  |
| 225675038 |  | 3158635883 |  |  | A | C | A | C | A | A | A | A |  |
| 225675039 |  | 3158635884 |  |  | A | A | A | A | A | A | A | A |  |
| 225675040 |  | 3158635885 |  |  | A | A | A | A | A | A | A | A |  |
| 225675041 |  | 3158635886 |  |  | A | A | A | A | A | A | A | A |  |
| 225675042 |  | 3158635888 |  |  | A | A | A | A | A | A | A | A |  |
| 225675043 |  | 3158635889 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225675044 |  | 3158635892 |  |  | A | A | A | A | A | A | A | A |  |
| 225675045 |  | 3158635893 |  |  | A | C | A | C | A | A | A | A |  |
| 225675046 |  | 3158635894 |  |  | A | C | A | C | A | A | A | A |  |
| 225675047 |  | 3158635897 |  |  | A | A | A | A | A | A | A | A |  |
| 225675048 |  | 3158635902 |  |  | C | C | D B C | D C | A | A | B | B |  |
| 225675049 |  | 3158635903 |  |  | A | C | A | C | A | A | A | A |  |
| 225675050 |  | 3158635904 |  |  | A | A | A | A | A | A | A | A |  |
| 225675051 |  | 3158635905 |  |  | B | C | A | C | B | A | A | B |  |
| 225675052 |  | 3158635909 |  |  | A | C | A | C | A | A | A | A |  |
| 225675053 |  | 3158635910 |  |  | A | C | D | D | A | A | A | A |  |
| 225675054 |  | 3158635911 |  |  | C | C | A | C | A | B | A | B |  |
| 225675055 |  | 3158635912 |  |  | A | A | A | A | A | A | A | A |  |
| 225675056 |  | 3158635913 |  |  | A | A | A | A | A | A | A | A |  |
| 225675057 |  | 3158635914 |  |  | C | C | A | C | A | A | A | A |  |
| 225675058 |  | 3158635916 |  |  | C | B | D B C | D C | A | A | B | B |  |
| 225675059 |  | 3158635917 |  |  | A | A | A | A | A | A | A | A |  |
| 225675060 |  | 3158635919 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225675061 |  | 3158635922 |  |  | A | A | A | A | A | A | A | A |  |
| 225675062 |  | 3158635926 |  |  | A | C | A | C | A | A | A | A |  |
| 225675063 |  | 3158635930 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225675064 |  | 3158635931 |  |  | A | C | A | C | A | A | A | A |  |
| 225675065 |  | 3158635932 |  |  | A | C | A | C | A | A | A | A |  |
| 225675066 |  | 3158635933 |  |  | A | A | A | A | A | A | A | A |  |
| 225675067 |  | 3158635934 |  |  | C | C | A | C | A | A | A | A |  |
| 225675068 |  | 3158635938 |  |  | A | A | A | A | A | A | A | A |  |
| 225675069 |  | 3158635939 |  |  | A | C | A | C | A | A | A | A |  |
| 225675070 |  | 3158635940 |  |  | C | C | D B C | D C | A | B | C B | C B |  |
| 225675071 |  | 3158635942 |  |  | A | A | A | A | A | A | A | A |  |
| 225675072 |  | 3158635944 |  |  | C | C | D B C | D C | A | A | C B | C B |  |
| 225675073 |  | 3158635945 |  |  | A | A | A | A | A | A | A | A |  |
| 225675074 |  | 3158635946 |  |  | A | C | A | C | A | A | A | A |  |
| 225675075 |  | 3158635948 |  |  | C | A | D B C | D C | A | A | A | A |  |
| 225675076 |  | 3158635949 |  |  | C | C | A | C | A | A | A | A |  |
| 225675077 |  | 3158635951 |  |  | A | A | A | A | A | A | A | A |  |
| 225675078 |  | 3158635952 |  |  | A | C | A | C | A | A | A | A |  |
| 225675079 |  | 3158635953 |  |  | A | C | A | C | A | B | A | B |  |
| 225675080 |  | 3158635954 |  |  | A | A | A | A | A | A | A | A |  |
| 225675081 |  | 3158635955 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225675082 |  | 3158635956 |  |  | A | C | A | C | A | B | A | B |  |
| 225675083 |  | 3158635958 |  |  | A | A | A | A | A | A | A | A |  |
| 225675084 |  | 3158635962 |  |  | C | C | A | C | A | A | A | A |  |
| 225675085 |  | 3158635963 |  |  | A | A | A | A | A | A | A | A |  |
| 225675086 |  | 3158635964 |  |  | A | C | A | C | A | A | A | A |  |
| 225675087 |  | 3158635966 |  |  | A | A | A | A | A | A | A | A |  |
| 225675088 |  | 3158635969 |  |  | A | C | A | C | A | A | A | A |  |
| 225675089 |  | 3158635970 |  |  | A | A | A | A | A | A | A | A |  |
| 225675090 |  | 3158635971 |  |  | A | C | A | C | A | A | A | A |  |
| 225675091 |  | 3158635972 |  |  | A | C | A | C | A | B | A | B |  |
| 225675092 |  | 3158635975 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225675093 |  | 3158635976 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225675094 |  | 3158635977 |  |  | A | A | D | D | A | A | A | A |  |
| 225675095 |  | 3158635979 |  |  | A | A | A | A | A | A | A | A |  |
| 225675096 |  | 3158635981 |  |  | A | A | D B C | D B C | A | A | B | B |  |
| 225675097 |  | 3158635982 |  |  | C | C | A | C | A | A | A | A |  |
| 225675098 |  | 3158635986 |  |  | C | A | A | C | A | A | A | A |  |
| 225675099 |  | 3158635988 |  |  | A | A | A | A | A | A | A | A |  |
| 225675100 |  | 3158635990 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225675101 |  | 3158635991 |  |  | C | C | D B C | D C | A | A | B | B |  |
| 225675102 |  | 3158635992 |  |  | C | C | A | C | A | A | A | A |  |
| 225675103 |  | 3158635996 |  |  | A | A | D B C | D B C | A | A | C B | C B |  |
| 225675104 |  | 3158635997 |  |  | C | C | D B C | D C | A | A | B | B |  |
| 225675105 |  | 3158635999 |  |  | A | A | A | A | A | A | A | A |  |
| 225675106 |  | 3158636000 |  |  | A | A | A | A | A | A | A | A |  |
| 225675107 |  | 3158636001 |  |  | A | A | A | A | A | A | A | A |  |
| 225675108 |  | 3158636002 |  |  | C | C | A | C | A | A | A | A |  |
| 225675109 |  | 3158636003 |  |  | A | A | A | A | A | A | A | A |  |
| 225675110 |  | 3158636005 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225675111 |  | 3158636007 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225675112 |  | 3158636008 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225675113 |  | 3158636012 |  |  | A | A | A | A | A | A | A | A |  |
| 225675114 |  | 3158636013 |  |  | C | A | D | D | A | A | B | B |  |
| 225675115 |  | 3158636015 |  |  | C | C | A | C | A | A | A | A |  |
| 225675116 |  | 3158636019 |  |  | A | A | A | A | A | A | A | A |  |
| 225675117 |  | 3158636020 |  |  | C | A | D | D | A | A | C B | C B |  |
| 225675118 |  | 3158636021 |  |  | C | B | A | C | A | A | A | A |  |
| 225675119 |  | 3158636022 |  |  | A | A | A | A | A | A | A | A |  |
| 225675120 |  | 3158636024 |  |  | A | A | A | A | A | A | A | A |  |
| 225675121 |  | 3158636025 |  |  | C | C | D B C | D C | A | A | B | B |  |
| 225675122 |  | 3158636031 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225675123 |  | 3158636036 |  |  | C | C | A | C | A | A | A | A |  |
| 225675124 |  | 3158636043 |  |  | A | A | A | A | A | A | A | A |  |
| 225675125 |  | 3158636044 |  |  | A | A | A | A | A | A | A | A |  |
| 225675126 |  | 3158636045 |  |  | A | B | A | B | A | B | A | B |  |
| 225675127 |  | 3158636046 |  |  | C | A | A | C | A | A | A | A |  |
| 225675128 |  | 3158636048 |  |  | C | A | D B C | D C | A | A | B | B |  |
| 225675129 |  | 3158636050 |  |  | A | C | D B C | D C | A | A | B | B |  |
| 225675130 |  | 3158636051 |  |  | A | A | A | A | A | A | A | A |  |
| 225675131 |  | 3158636052 |  |  | C | C | A | C | A | A | A | A |  |
| 225675132 |  | 3158636054 |  |  | C | C | A | C | A | A | A | A |  |
| 225675133 |  | 3158636056 |  |  | A | A | A | A | A | A | A | A |  |
| 225675134 |  | 3158636060 |  |  | B | A | D B C | D B C | B | A | B | B |  |
| 225675135 |  | 3158636061 |  |  | C | B | D B C | D C | A | B | B | B |  |
| 225675136 |  | 3158636063 |  |  | A | A | A | A | A | A | A | A |  |
| 225675137 |  | 3158636064 |  |  | A | A | A | A | A | A | A | A |  |
| 225675138 |  | 3158636065 |  |  | A | C | A | C | A | C | A | C |  |
| 225675139 |  | 3158636068 |  |  | A | A | A | A | A | A | A | A |  |
| 225675140 |  | 3158636070 |  |  | A | A | A | A | A | A | A | A |  |
| 225675141 |  | 3158636071 |  |  | A | A | A | A | A | A | A | A |  |
| 225675142 |  | 3158636072 |  |  | A | A | A | A | A | A | A | A |  |
| 225675143 |  | 3158636076 |  |  | A | A | D B C | D B C | A | A | B | B |  |
| 225675144 |  | 3158636078 |  |  | A | C | A | C | A | A | A | A |  |
| 225675145 |  | 3158636079 |  |  | A | A | A | A | A | A | A | A |  |
| 225675146 |  | 3158636082 |  |  | D | C | D | D | A | A | A | A |  |
| 225675147 |  | 3158636084 |  |  | A | C | A | C | A | A | A | A |  |
| 225675148 |  | 3158636088 |  |  | A | C | A | C | A | A | A | A |  |
| 225675149 |  | 3158636089 |  |  | C | C | A | C | A | A | A | A |  |
| 225675150 |  | 3158636090 |  |  | A | C | A | C | A | A | A | A |  |

---

## Exhibit 99.2

[CHASE HOME LENDING MORTGAGE TRUST 2026-AGY1 ABS-15G](chase-abs15g.htm)

**Exhibit 99.2**

**Schedule 2 - Pool 2 AMC Exception Grades**![](ex99_001.gif)

**Exception Grades**

**Run Date - 6/9/2026 5:32:56 PM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 225674887 |  | 3158635614 |  | 36631399 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): fee cured at closing<br>Buyer Comment (2026-06-02): Do Not Concur. The increase in [Redacted]% fees was cured at closing | 06/02/2026 |  |  | 1 C A |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674887 |  | 3158635614 |  | 36631400 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do Not Concur. The discount points increased when the interest rate changed, this disclosed timely on LE v8. | 06/02/2026 |  |  | 1 C A |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674889 |  | 3158635619 |  | 36672270 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | Note Date: ___; Lien Position: ___ | BPO received did not support the value used to qualify. |  |  |  |  |  |  |  | 3 C B |  | OH | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674889 |  | 3158635619 |  | 36609340 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): RD - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | OH | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674889 |  | 3158635619 |  | 36609349 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): RD - Please see BPO attached to Secondary Valuation record | 06/07/2026 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674890 |  | 3158635623 |  | 36610028 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. This fee increased after the initial rate lock date. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do Not Concur. The discount points increased when pricing changed after the appraisal was completed and the property value was analyzed, points disclosed timely on LE V4. | 06/01/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674891 |  | 3158635627 |  | 36610012 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do Not Concur. The discount points increased after the loan amount changed, points disclosed timely on LE V2. | 06/01/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674892 |  | 3158635628 |  | 36606692 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at closing. |  |  |  | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |  | 05/29/2026 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674893 |  | 3158635632 |  | 36648252 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. |  |  |  | Reviewer Comment (2026-06-03): e-delivery of disclosure received<br>Buyer Comment (2026-06-03): Do Not Concur. Please see electronic record of delivery of the [Redacted] Doc package to the borrower before closing. | 06/03/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674893 |  | 3158635632 |  | 36648253 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-03): Do Not Concur. The loan amount changed and then discount points changed subsequently, this was disclosed timely on LE v3. The discount points reduced from this amount prior to closing. | 06/03/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674893 |  | 3158635632 |  | 36648254 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-03): Do Not Concur. The appraisal fee was added when the loan amount changed and the appraisal waiver was opted out, the fee was disclosed timely on LE v3 | 06/03/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674894 |  | 3158635635 |  | 36607651 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do Not Concur. The 10 percent fees increased with a loan amount change CIC, there was a federal holiday and the increased fees disclosed timely on CD v2. | 06/01/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674894 |  | 3158635635 |  | 36607655 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | This loan used an appraisal waiver. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674894 |  | 3158635635 |  | 36607657 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | Need a secondary valuation product to support the appraisal waiver value utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | IL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674894 |  | 3158635635 |  | 36675517 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | IL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674895 |  | 3158635637 |  | 36607955 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Discount Points increased after the initial rate lock date. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do Not Concur. The discount points increased when pricing changed after the appraisal was completed and the property value was analyzed, points disclosed timely on CD V2. | 06/01/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674897 |  | 3158635639 |  | 36628631 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Note Date: ___; Lien Position: ___ | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  |  |  |  |  | 3 D B C |  | CA | Primary | Refinance - Rate/Term | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674897 |  | 3158635639 |  | 36628636 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  |  |  |  |  | 3 C |  | CA | Primary | Refinance - Rate/Term | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674898 |  | 3158635640 |  | 36653959 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do Not Concur. The loan interest rate changed and the discount points changed as a result, this disclosed timely on CD v2, they then reduced prior to closing | 06/04/2026 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674899 |  | 3158635642 |  | 36606787 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted]on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do Not Concur. The appraisal was received marked subject to repairs being completed so a final inspection was ordered, this disclosed timely on LE v2. | 06/02/2026 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674900 |  | 3158635643 |  | 36629072 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-06-01): lender credit on final CD matches initial LE | 06/01/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674901 |  | 3158635644 |  | 36649958 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-06-03): Sufficient Cure Provided At Closing |  | 06/03/2026 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674902 |  | 3158635645 |  | 36607150 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do Not Concur. Please see system calculation of baseline and [Redacted]% tolerance fees, the appraised value was received and fees changed on [Redacted], this was disclosed timely on CD v2. | 06/01/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674902 |  | 3158635645 |  | 36607151 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. This fee increased after the initial rate lock date. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do Not Concur. The discount points increased due to a loan amount change, this disclosed timely on CD v5. | 06/01/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674902 |  | 3158635645 |  | 36607152 |  | 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. | 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. |  |  |  | Reviewer Comment (2026-06-07): updated RTC sent to borrower<br>Buyer Comment (2026-06-07): See [Redacted]<br>Reviewer Comment (2026-06-03): client requested this finding be reopened<br>Buyer Comment (2026-06-01): Concur<br>Reviewer Comment (2026-06-01): based on the transaction, the H-9 form should have been used<br>Buyer Comment (2026-06-01): Do Not Concur. Since this is a refinance of a primary residence and is paying off the original lien the form H8 was used even though it also is paying off an amount owed to the IRS there is a no negative amount to the rescindable value | 06/07/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674903 |  | 3158635647 |  | 36646253 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-03): Do Not Concur. The discount points increased when the loan interest rate changed, this was disclosed timely on LE v4. | 06/03/2026 |  |  | 1 C A |  | ME | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674903 |  | 3158635647 |  | 36646254 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted]on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-03): Do Not Concur. The Final Inspection fee was added when the appraisal came back indicating that it was subject to repairs, this disclosed timely on LE v4. | 06/03/2026 |  |  | 1 C A |  | ME | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674906 |  | 3158635655 |  | 36628921 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Discount Points changed to $[Redacted]on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do Not Concur. The discount points increased when the loan amount changed, this disclosed timely on CD v4. | 06/02/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674907 |  | 3158635656 |  | 36634086 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is missing 1099 or other sufficient documentation for the "other" income of the Borrower. |  |  |  | Reviewer Comment (2026-06-03): sufficient income documentation in file is acceptable<br>Buyer Comment (2026-06-03): Page [Redacted] in the file build has the awards letter for the social sec income and the bank statement in the file build shows the proof of the deposit that satisfies the AUS approval no [Redacted] is needed | 06/03/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674907 |  | 3158635656 |  | 36634102 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing 1099 or other sufficient documentation for the "other" income of the Borrower. |  |  |  | Reviewer Comment (2026-06-03): sufficient income documentation in file is acceptable | 06/03/2026 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674907 |  | 3158635656 |  | 36634103 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing 1099 or other sufficient documentation for the "other" income of the Borrower. |  |  |  | Reviewer Comment (2026-06-03): sufficient income documentation in file is acceptable | 06/03/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674907 |  | 3158635656 |  | 36634138 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased on [Redacted] without a valid change in circumstance. Cure was not provided at closing. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do Not Concur. The discount points increased when the loan amount changed, this disclosed timely on LE v2, they increased again when the rate expiration and pricing changed and were disclosed timely on CD v3. | 06/02/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674907 |  | 3158635656 |  | 36634140 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | File does not contain a signed final Closing Disclosure to evidence receipt, resulting in a presumed receipt date of [Redacted] and the loan disbursed less than 3 business days after the [Redacted] transaction date. |  |  |  | Reviewer Comment (2026-06-02): proof of final CD signed by borrower has been received<br>Buyer Comment (2026-06-02): Do Not Concur. Please see signed closing disclosure and also the electronic delivery record for the closing disclosure. | 06/02/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674907 |  | 3158635656 |  | 36634141 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | File does not contain a signed final Closing Disclosure to evidence receipt, resulting in a presumed receipt date of [Redacted] and the loan disbursed less than 3 business days after the [Redacted] transaction date. |  |  |  | Reviewer Comment (2026-06-02): proof of final CD signed by borrower has been received<br>Buyer Comment (2026-06-02): Do Not Concur. Please see signed closing disclosure and also the electronic delivery record for the closing disclosure. | 06/02/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674907 |  | 3158635656 |  | 36641300 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing 1099 or other sufficient documentation for the "other" income of the Borrower. |  |  |  | Reviewer Comment (2026-06-03): sufficient income documentation in file is acceptable | 06/03/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674907 |  | 3158635656 |  | 36641312 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing 1099 or other sufficient documentation for the "other" income of the Borrower. |  |  |  | Reviewer Comment (2026-06-03): sufficient income documentation in file is acceptable<br>Buyer Comment (2026-06-03): Waterfall | 06/03/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674908 |  | 3158635658 |  | 36610866 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |  | 05/29/2026 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674911 |  | 3158635662 |  | 36638507 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - With Waiver) | [Redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing with waiver. |  |  |  |  | Reviewer Comment (2026-06-03): disclosure delivery received<br>Buyer Comment (2026-06-03): Do Not Concur. Please see system record of electronic delivery of the [Redacted] Doc package to the borrower before closing | 06/03/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674911 |  | 3158635662 |  | 36638508 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | No documentation in file to evidence borrowers' receipt of the [Redacted] CD and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-06-03): disclosure delivery received<br>Buyer Comment (2026-06-03): Do Not Concur. Please see system record of electronic delivery of the Closing Disclosures to the borrower before closing | 06/03/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674911 |  | 3158635662 |  | 36638509 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-03): Do Not Concur. The discount points increased when the appraised value was received and was disclosed timely on LE v3, it then decreased again prior to closing. | 06/03/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674912 |  | 3158635663 |  | 36611234 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount fee changed to $[Redacted] on the LE dated [Redacted], which is after the initial rate lock date. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do Not Concur. The discount points increased when pricing changed after the appraisal was completed and the property value was analyzed, points disclosed timely on LE V2. | 06/01/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674914 |  | 3158635668 |  | 36630708 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Missing valid COC for increase in ten percent fee tolerance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-06-01): Sufficient Cure Provided At Closing |  | 06/01/2026 |  | 1 A |  | MA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674915 |  | 3158635669 |  | 36638768 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page [Redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted]is under-disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted], which exceeds the $[Redacted] threshold. |  |  |  | Reviewer Comment (2026-06-07): Fee cured at closing.<br>Buyer Comment (2026-06-04): Do not Concur. Upon further review, [Redacted] cured $[Redacted] for the Misc Closing Fee, this should not be included in the finance charge calculation, please see system snips and calculate based on this information.<br>Reviewer Comment (2026-06-04): Unable to determine lender calculation without a compliance report and finance charge calculation. the Title-Tax Cert alone would not account for the $[Redacted] underdisclosure amount. Please provide lender's calculations. In regard to the Title-Tax Cert fee, while we acknowledge that a one-time up front tax determination used in the decisions to extend credit would be excluded from finance charge under 1026.4(c)(7), any portion of a charge for life of loan tax service is considered a finance charge. Without documentation evidencing which portion is for life of loan vs. one time upfront, the entire amount is included in finance charges for testing purposes pursuant to Comment 19 (4)(c)(7)-3 which provides: For example, a fee for one or more determinations during the loan term of the current tax-lien status or flood-insurance requirements is a finance charge, regardless of whether the fee is imposed at closing, or when the service is performed. If a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to the initial decision to grant credit, the entire fee may be treated as a finance charge. If a one time fee, please provide an executed lender attestation confirming not life of loan fee but a one time upfront at closing fee for determination.<br>Buyer Comment (2026-06-03): [Redacted] is citing that the finance charge is under disclosed by $[Redacted], however in reviewing the fees used in [Redacted] calculation it appears that [Redacted] calculated them all as pre-paid fees in the finance charge calculation except for the Tax Certification Fee of $[Redacted], can you advise what fees may be causing the under disclosure in [Redacted] calculation? | 06/07/2026 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225674915 |  | 3158635669 |  | 36638769 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and the cure provided at closing ($[Redacted]) was not sufficient to cure both issues. |  |  |  | Reviewer Comment (2026-06-03): after further review, the cure at closing was sufficient to resolve this fee tolerance issue<br>Buyer Comment (2026-06-03): Please verify how the baseline for [Redacted]% fees was calculated as $[Redacted], section C title fees are $[Redacted] and recording fees are $[Redacted] on the initial LE. | 06/03/2026 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225674915 |  | 3158635669 |  | 36638770 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and the cure provided at closing ($[Redacted]) was not sufficient to cure both issues. |  |  |  | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-03): Do Not Concur. Please see CICs for loan amount changes, the discount points increased and were disclosed timely on CD v2 and CD v3 | 06/03/2026 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225674916 |  | 3158635671 |  | 36656755 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - With Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing with waiver. | [Redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs, and charges not provided to borrower at least one (1) business day prior to closing with waiver. |  |  |  | Reviewer Comment (2026-06-04): evidence of disclosure delivery received<br>Buyer Comment (2026-06-04): Do Not Concur. Please see the electronic record of delivery for the closing disclosure timing and also [Redacted] doc signed by customer prior to closing | 06/04/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674916 |  | 3158635671 |  | 36656756 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No documentation in file to evidence receipt of the initial Closing Disclosure by the borrowers and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-06-04): evidence of disclosure delivery received<br>Buyer Comment (2026-06-04): Do Not Concur. Please see the electronic record of delivery for the closing disclosure timing and also [Redacted] doc signed by customer prior to closing | 06/04/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674919 |  | 3158635684 |  | 36638894 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |  | 06/02/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674919 |  | 3158635684 |  | 36638895 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |  | 06/02/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674920 |  | 3158635685 |  | 36606861 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2026-06-01): desk review with value supporting the appraisal value has been received | 06/01/2026 |  |  | 1 D A |  | GA | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674920 |  | 3158635685 |  | 36606880 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): Ten percent fees were within tolerance<br>Buyer Comment (2026-06-01): Do Not Concur. The exception provided by [Redacted] is not understood, however [Redacted]% fees changed when the loan amount changed and was disclosed timely on LE v3. | 06/01/2026 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674921 |  | 3158635686 |  | 36627798 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | MN | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674921 |  | 3158635686 |  | 36627806 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/07/2026 |  |  | 1 C A |  | MN | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674921 |  | 3158635686 |  | 36672269 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): Waived |  |  | 06/07/2026 | 2 B |  | MN | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674923 |  | 3158635689 |  | 36615339 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do Not Concur. The loan amount changed and the lender credit changed as a result, this was disclosed timely on LE v2. | 06/01/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674923 |  | 3158635689 |  | 36615340 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted]exceeds tolerance of $0.00. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do Not Concur. It was determined that the loan could use a prior appraisal instead of ordering a new one, the appraisal update / recertification fee was added to the loan and disclosed timely on LE v3, the fee for the full appraisal dropped off and was not charged at closing. | 06/01/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674924 |  | 3158635692 |  | 36637681 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credits Fee was last disclosed as $[Redacted]on Loan Estimate but disclosed as $[Redacted]on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do Not Concur. The Lender Credits when the loan amount changed, this disclosed timely on CD v4. | 06/02/2026 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674925 |  | 3158635693 |  | 36609056 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): fee tolerance cured by lender within [Redacted] days of closing and prior to TPR review<br>Buyer Comment (2026-06-01): Do Not Concur. The [Redacted] percent fees increased but were cured for $[Redacted], please see system snips. | 06/01/2026 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674925 |  | 3158635693 |  | 36609057 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. The fee increased after the initial rate lock date. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do Not Concur. There was a loan amount change, the discount points changed after this and were disclosed timely on CD v2. | 06/01/2026 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674926 |  | 3158635695 |  | 36647127 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | IL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674926 |  | 3158635695 |  | 36647138 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674926 |  | 3158635695 |  | 36675551 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | IL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674927 |  | 3158635696 |  | 36607513 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Nothing in file to evidence receipt of the corrected Closing Disclosure issued on [Redacted] which contains a change in APR. Without evidence of receipt, the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-06-01): verification of interim CD received by borrower has been received<br>Buyer Comment (2026-06-01): Do not Concur. CDv2 was sent via [Redacted] [Redacted] | 06/01/2026 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674928 |  | 3158635698 |  | 36646943 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/07/2026 |  |  | 1 C A |  | AR | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674928 |  | 3158635698 |  | 36646959 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | AR | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674928 |  | 3158635698 |  | 36672268 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): Waived |  |  | 06/07/2026 | 2 B |  | AR | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674929 |  | 3158635699 |  | 36629424 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure provided at Closing. |  |  |  | Reviewer Comment (2026-06-01): Sufficient Cure Provided At Closing |  | 06/01/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674930 |  | 3158635700 |  | 36637490 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-04): BPO received<br>Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/04/2026 |  |  | 1 C A |  | SC | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674930 |  | 3158635700 |  | 36637495 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-04): BPO received<br>Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO | 06/04/2026 |  |  | 1 D A B C |  | SC | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674930 |  | 3158635700 |  | 36664148 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-05): Waived |  |  | 06/05/2026 | 2 B |  | SC | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674932 |  | 3158635702 |  | 36654444 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674932 |  | 3158635702 |  | 36654445 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674932 |  | 3158635702 |  | 36683015 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674934 |  | 3158635706 |  | 36637828 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No documentation in file to evidence receipt of the initial CD by the borrower and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-06-02): evidence of disclosure delivery received<br>Buyer Comment (2026-06-02): Do not concur. Initial CD sent via [Redacted] [Redacted] | 06/02/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674935 |  | 3158635707 |  | 36608222 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/07/2026 |  |  | 1 C A |  | OH | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674935 |  | 3158635707 |  | 36608234 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | OH | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674935 |  | 3158635707 |  | 36672267 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): Waived |  |  | 06/07/2026 | 2 B |  | OH | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674941 |  | 3158635720 |  | 36633330 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the QM Points/Fees failure. |  |  |  | Reviewer Comment (2026-06-02): undiscounted rate and rate price received | 06/02/2026 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674941 |  | 3158635720 |  | 36633331 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. |  |  |  | Reviewer Comment (2026-06-02): undiscounted rate and rate price received<br>Buyer Comment (2026-06-02): Please see undiscounted rate and summary information | 06/02/2026 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674941 |  | 3158635720 |  | 36636656 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do Not Concur. The Discount points increased when the interest rate changed, this disclosed timely on LE v3, and decreased prior to closing | 06/02/2026 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674942 |  | 3158635724 |  | 36630184 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/07/2026 |  |  | 1 C A |  | WI | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674942 |  | 3158635724 |  | 36630192 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted]- Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | WI | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674942 |  | 3158635724 |  | 36672266 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): Waived |  |  | 06/07/2026 | 2 B |  | WI | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674943 |  | 3158635728 |  | 36647742 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-03): Do not Concur. Valid CIC for loan amount [Redacted] . Lev5 disclosed timely | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674944 |  | 3158635729 |  | 36694153 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 |  |  |  |  |  |  |  |  |  | 3 C B |  | IL | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674944 |  | 3158635729 |  | 36647300 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-04): BPO received<br>Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO | 06/04/2026 |  |  | 1 D A B C |  | IL | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674944 |  | 3158635729 |  | 36647315 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-04): BPO received<br>Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/04/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674945 |  | 3158635731 |  | 36656608 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do Not Concur. The discount points increased when the appraised value came in and pricing changed, this was disclosed timely on LE v2 | 06/04/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674946 |  | 3158635734 |  | 36648095 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | TN | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674946 |  | 3158635734 |  | 36672265 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): Waived |  |  | 06/07/2026 | 2 B |  | TN | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674947 |  | 3158635737 |  | 36651112 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | GA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674947 |  | 3158635737 |  | 36651135 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/07/2026 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674947 |  | 3158635737 |  | 36651145 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Taxes were disclosed as $[Redacted] on the initial Loan Estimate but were disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for the fee increase, and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do Not Concur. The transfer taxes changed when the loan amount changed, this was disclosed timely on LE v2 | 06/04/2026 |  |  | 1 C A |  | GA | 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 |
| 225674947 |  | 3158635737 |  | 36656359 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Project Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Project Processing Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for the disclosure of the new fee, and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2026-06-03): Cured at closing or within [Redacted] days of consummation prior to TPR review | 06/03/2026 |  |  | 1 C A |  | GA | 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 |
| 225674947 |  | 3158635737 |  | 36672278 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): Waived |  |  | 06/07/2026 | 2 B |  | GA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674948 |  | 3158635738 |  | 36654001 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/07/2026 |  |  | 1 C A |  | TX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674948 |  | 3158635738 |  | 36654002 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | TX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674948 |  | 3158635738 |  | 36672277 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): Waived |  |  | 06/07/2026 | 2 B |  | TX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674950 |  | 3158635741 |  | 36634034 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the Appraisal Fee of $[Redacted], plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Therefore, the file does not contain sufficient asset documentation for closing funds. Shortage is due to unsourced deposit of $[Redacted] to [Redacted] #[Redacted]on [Redacted]. |  |  |  | Reviewer Comment (2026-06-03): sufficient asset documentation in file<br>Buyer Comment (2026-06-03): waterfall | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674950 |  | 3158635741 |  | 36634056 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient funds to close verified due to unsourced deposit of $[Redacted]to [Redacted] #[Redacted]on [Redacted] |  |  |  | Reviewer Comment (2026-06-03): sufficient asset documentation in file<br>Buyer Comment (2026-06-03): Large deposit came from the home equity loan customer took out from [Redacted] on page [Redacted] and [Redacted]are the documents for the [Redacted] . Line is for [Redacted] customer used transfer of details for $[Redacted] and $[Redacted] transferred to [Redacted]<br> [Redacted] supporting the large deposits came from the [Redacted] [Redacted] | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674950 |  | 3158635741 |  | 36634065 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to shortage of funds to close, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-06-03): sufficient asset documentation in file | 06/03/2026 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674950 |  | 3158635741 |  | 36634066 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to shortage of funds to close. |  |  |  | Reviewer Comment (2026-06-03): sufficient asset documentation in file | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674950 |  | 3158635741 |  | 36634067 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to shortage of funds to close. |  |  |  | Reviewer Comment (2026-06-03): sufficient asset documentation in file | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674951 |  | 3158635742 |  | 36630680 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do Not Concur. The Discount points increased when the interest rate changed, this disclosed timely on LE v4 | 06/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674952 |  | 3158635743 |  | 36612192 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do not Concur. Valid CIC for required final inspection [Redacted]. See attached LOE. LEv7 disclosed timely | 06/01/2026 |  |  | 1 C A |  | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674952 |  | 3158635743 |  | 36612193 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do not Concur. Valid CIC and LOE stating survey is required per contract and seller [Redacted]. CDv1 disclosed timely same day | 06/01/2026 |  |  | 1 C A |  | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674954 |  | 3158635746 |  | 36608365 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2026-06-01): desk review received, with a value supporting the appraisal value | 06/01/2026 |  |  | 1 D A |  | NJ | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674956 |  | 3158635748 |  | 36648444 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-06-03): Sufficient Cure Provided At Closing |  | 06/03/2026 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674957 |  | 3158635749 |  | 36637895 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-05): BPO received<br>Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/05/2026 |  |  | 1 C A |  | MI | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674957 |  | 3158635749 |  | 36637918 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. Loan originated with an Appraisal Waiver. |  |  |  | Reviewer Comment (2026-06-05): BPO received<br>Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO | 06/05/2026 |  |  | 1 D A B C |  | MI | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674957 |  | 3158635749 |  | 36666589 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-05): Waived |  |  | 06/05/2026 | 2 B |  | MI | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674958 |  | 3158635751 |  | 36656659 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do Not Concur. The discount points increased when the loan amount changed, this was disclosed timely on LE v6. | 06/04/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674959 |  | 3158635752 |  | 36633674 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased after the initial rate lock date. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do Not Concur. The Discount points increased when a new counter offer had to be issued due to credit items, pricing had to change and this was disclosed timely on CD v6 | 06/02/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674959 |  | 3158635752 |  | 36633675 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do Not Concur. The final inspection fee was added when the appraisal came back indicating that it was subject to repairs, this was disclosed timely on CD v3. | 06/02/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674961 |  | 3158635756 |  | 36647583 |  | 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. | Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount. |  |  |  |  |  |  |  | 2 B |  | FL | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674961 |  | 3158635756 |  | 36647570 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing third party verification of the borrower's business. |  |  |  | Reviewer Comment (2026-06-05): third party verification in file is acceptable | 06/05/2026 |  |  | 1 B A C |  | FL | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674961 |  | 3158635756 |  | 36647571 |  | 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. | File is missing a third party verification of the borrower's business. |  |  |  | Reviewer Comment (2026-06-05): third party verification in file is acceptable | 06/05/2026 |  |  | 1 C A |  | FL | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674961 |  | 3158635756 |  | 36647572 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found for the fee increase and no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do Not Concur. The transfer taxes changed when the loan amount changed, this was disclosed timely on LE v4 | 06/04/2026 |  |  | 1 C A |  | FL | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674961 |  | 3158635756 |  | 36658758 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing third party verification of the borrower's business. |  |  |  | Reviewer Comment (2026-06-05): third party verification in file is acceptable | 06/05/2026 |  |  | 1 C A |  | FL | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674961 |  | 3158635756 |  | 36658759 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing a third party verification of the borrower's business. |  |  |  | Reviewer Comment (2026-06-05): third party verification in file is acceptable<br>Buyer Comment (2026-06-05): Per VVOE Google(CPA) was used to verify located in file pg 1764 D0801 | 06/05/2026 |  |  | 1 C A |  | FL | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674961 |  | 3158635756 |  | 36658806 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is missing a third party verification of the borrower's business. |  |  |  | Reviewer Comment (2026-06-05): third party verification in file is acceptable<br>Buyer Comment (2026-06-05): Per VVOE Google(CPA) was used to verify business located in file pg 1764 D0801 | 06/05/2026 |  |  | 1 C A |  | FL | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674961 |  | 3158635756 |  | 36658810 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing third party verification of the borrower's business. |  |  |  | Reviewer Comment (2026-06-05): third party verification in file is acceptable | 06/05/2026 |  |  | 1 C A |  | FL | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674962 |  | 3158635758 |  | 36607153 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | OR | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674962 |  | 3158635758 |  | 36607170 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure provided at closing. |  |  |  | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |  | 05/29/2026 |  | 1 A |  | OR | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674962 |  | 3158635758 |  | 36607232 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | OR | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674962 |  | 3158635758 |  | 36675575 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | OR | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674963 |  | 3158635760 |  | 36628491 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Appraisal Re-Inspection Fee. The fee amount of $[Redacted] exceeds the tolerance of $0.00. $[Redacted] is over the legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do Not Concur. The final inspection fee was added when the appraisal came back indicating that it was subject to completion per plans and specs, this was disclosed timely on CD v5 | 06/02/2026 |  |  | 1 C A |  | MI | 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 |
| 225674963 |  | 3158635760 |  | 36628492 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Transfer Tax. The fee amount of $[Redacted] exceeds the tolerance of $0.00. $[Redacted] is over the legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do Not Concur. The purchase contract was received and reviewed, the transfer taxes were then added and disclosed timely on LE v4. | 06/02/2026 |  |  | 1 C A |  | MI | 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 |
| 225674965 |  | 3158635762 |  | 36632105 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $0.00 on LE but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do Not Concur. The purchase contract was received and reviewed, the transfer taxes were then added and disclosed timely on LE v2. | 06/02/2026 |  |  | 1 C A |  | MI | 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 |
| 225674966 |  | 3158635763 |  | 36610910 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2026-06-01): desk review received, with a value supporting the appraisal value | 06/01/2026 |  |  | 1 D A |  | WA | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674966 |  | 3158635763 |  | 36625866 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in file to evidence delivery of the appraisal to the borrower prior to closing. |  |  |  | Reviewer Comment (2026-06-01): verification of appraisal delivery received and acceptable<br>Buyer Comment (2026-06-01): Do Not Concur. Please see record of electronic delivery of the appraisal to the borrower | 06/01/2026 |  |  | 1 B A |  | WA | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674966 |  | 3158635763 |  | 36626003 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do Not Concur. Please see the system snip showing that the [Redacted] % fee recording fee was partially credited to the customer through premium pricing or credit given to the customer. | 06/01/2026 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674966 |  | 3158635763 |  | 36626004 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do Not Concur. Please see the CICs for vesting change and adding a non borrowing signer which added the transfer tax amount of $[Redacted] | 06/01/2026 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674967 |  | 3158635764 |  | 36675468 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | Note Date: ___; Lien Position: ___ | BPO received does not support the value utilized for approval from the PIW. |  |  |  |  |  |  |  | 3 C B |  | DE | Primary | Refinance - Rate/Term | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674967 |  | 3158635764 |  | 36646170 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | DE | Primary | Refinance - Rate/Term | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674967 |  | 3158635764 |  | 36646173 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | DE | Primary | Refinance - Rate/Term | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674969 |  | 3158635771 |  | 36650478 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were disclosed as $[Redacted]on the initial Loan Estimate but were disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-03): Do not Concur. Initial Loan lock [Redacted]. LE disclosed timely. | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674970 |  | 3158635772 |  | 36638368 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | [Redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. |  |  |  | Reviewer Comment (2026-06-02): evidence of e-delivery of disclosure received<br>Buyer Comment (2026-06-02): Do Not Concur. Please see the record of electronic delivery of the [Redacted] Doc Package to the borrower within enough time before closing occurred | 06/02/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674970 |  | 3158635772 |  | 36638369 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do Not Concur. The Discount points increased when the loan amount changed, this disclosed timely on CD v3, they decreased from this prior to closing. | 06/02/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674971 |  | 3158635773 |  | 36657368 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for failing points and fees test. |  |  |  | Reviewer Comment (2026-06-04): undiscounted interest rate and rate price received and acceptable | 06/04/2026 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674971 |  | 3158635773 |  | 36657370 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. |  |  |  | Reviewer Comment (2026-06-04): undiscounted interest rate and rate price received and acceptable<br>Buyer Comment (2026-06-04): Please see undiscounted rate system snips and reg testing documents | 06/04/2026 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674971 |  | 3158635773 |  | 36657371 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do Not Concur. The pricing changed causing the loan points to change, this was disclosed timely on CD v2 and the points reduced again prior to closing | 06/04/2026 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674973 |  | 3158635775 |  | 36657181 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2026-06-04): Cured at closing or within 60 days of consummation prior to TPR review | 06/04/2026 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674973 |  | 3158635775 |  | 36657182 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2026-06-08): [Redacted] received valid COC document<br>Buyer Comment (2026-06-04): Do Not Concur. The interest rate changed and consequently the discount points increased, this was disclosed timely on LE v4. The points decreased from this prior to closing | 06/08/2026 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674973 |  | 3158635775 |  | 36673232 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-06-08): Sufficient Cure Provided At Closing |  | 06/08/2026 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674975 |  | 3158635777 |  | 36638915 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Valid CICs for property type, appraised value, loan points [Redacted]. LEv4 disclosed timely | 06/02/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674975 |  | 3158635777 |  | 36638917 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. ([Redacted]) |  |  |  | Reviewer Comment (2026-06-02): confirmed, fee was disclosed on initial LE<br>Buyer Comment (2026-06-02): Do not Concur. The Attorney Doc review fee $[Redacted] was disclosed to the customer upfront on the initial LE. No cure due back | 06/02/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674977 |  | 3158635779 |  | 36647487 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-03): ten percent fee tolerance acceptable<br>Buyer Comment (2026-06-03): Do not Concur. Ten percents on this refi consist of the title fees in section B and the recording fees in E. [Redacted] has incorrect ten percent baseline | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674979 |  | 3158635784 |  | 36647574 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | TN | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674979 |  | 3158635784 |  | 36672264 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): Waived |  |  | 06/07/2026 | 2 B |  | TN | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674980 |  | 3158635785 |  | 36642818 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for failing points and fees test. |  |  |  | Reviewer Comment (2026-06-03): undiscounted interest rate and rate price received<br>Buyer Comment (2026-06-03): Please see attached Undiscounted rate and reg test | 06/03/2026 |  |  | 1 B A C |  | FL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674980 |  | 3158635785 |  | 36642819 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or[Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. |  |  |  | Reviewer Comment (2026-06-03): undiscounted interest rate and rate price received<br>Buyer Comment (2026-06-03): Please see attached Undiscounted rate and reg test | 06/03/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674980 |  | 3158635785 |  | 36642822 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Transfer Tax. The fee amount of $[Redacted] exceeds the tolerance of $[Redacted], which is $[Redacted]over the legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations |  |  |  | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower and the remaining cured at closing<br>Buyer Comment (2026-06-03): Do not Concur. Valid CICs for all increases of the transfer tax until the final CD and then that increase was already cured at closing | 06/03/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674982 |  | 3158635787 |  | 36636644 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for failing points and fees test. |  |  |  | Reviewer Comment (2026-06-02): undiscounted interest rate and rate price received<br>Buyer Comment (2026-06-02): Please see attached undiscounted rate and reg test X | 06/02/2026 |  |  | 1 B A C |  | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674982 |  | 3158635787 |  | 36636645 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. |  |  |  | Reviewer Comment (2026-06-02): undiscounted interest rate and rate price received<br>Buyer Comment (2026-06-02): Please see attached undiscounted rate and reg test X | 06/02/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674982 |  | 3158635787 |  | 36636646 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | [Redacted] Predatory Lending Database Program ([Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption missing from file. |  |  |  | Reviewer Comment (2026-06-03): disclosure received<br>Buyer Comment (2026-06-03): Please see attached | 06/03/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674982 |  | 3158635787 |  | 36636647 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted], which is after the initial rate lock date. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. LEv4 disclosed timely | 06/02/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674983 |  | 3158635788 |  | 36647991 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-05): BPO received | 06/05/2026 |  |  | 1 C A |  | OH | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674983 |  | 3158635788 |  | 36648005 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-05): BPO received<br>Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record<br>Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO | 06/05/2026 |  |  | 1 D A B C |  | OH | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674983 |  | 3158635788 |  | 36666611 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-05): Waived |  |  | 06/05/2026 | 2 B |  | OH | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674984 |  | 3158635789 |  | 36633425 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. LEv2 disclosed timely same day | 06/02/2026 |  |  | 1 C A |  | OH | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674984 |  | 3158635789 |  | 36633434 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of 2.6, which does not meet securitization requirements. |  |  |  | Reviewer Comment (2026-06-08): desk review with supporting value has been received<br>Buyer Comment (2026-06-08): Please see attached CDA supporting higher value than appraisal. | 06/08/2026 |  |  | 1 D A |  | OH | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674986 |  | 3158635792 |  | 36648109 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674986 |  | 3158635792 |  | 36648111 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | IL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674986 |  | 3158635792 |  | 36648397 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do Not Concur. The discount points increased when the borrower's credit score changed and credit was analyzed again, discount points increased to $[Redacted] and reduced prior to closing, this was disclosed timely on CD v2 | 06/04/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674986 |  | 3158635792 |  | 36648398 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Water Testing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Water Testing Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2026-06-04): sufficient cure in file for this fee overage<br>Buyer Comment (2026-06-04): Do Not Concur. The water test was added to the CD and was part of the [Redacted]% title fees, this was calculated and the cure as a result of the water test fee being added was also added to the CD in the amount of $[Redacted], please see system snips showing the cure | 06/04/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674986 |  | 3158635792 |  | 36675796 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | IL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674987 |  | 3158635793 |  | 36633544 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-03): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. Cdv1 disclosed timely | 06/03/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674987 |  | 3158635793 |  | 36645516 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of the Note and Title Commitment the loan is a same lender refinance. |  |  |  | Reviewer Comment (2026-06-04): RTC package received<br>Buyer Comment (2026-06-04): Please see the PCCD package with shipping label, return label and RTR | 06/04/2026 |  |  | 1 B A |  | IL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674988 |  | 3158635794 |  | 36657064 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. Loan originated with an Appraisal Waiver. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | IL | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674988 |  | 3158635794 |  | 36657070 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | 1003 for both borrowers indicated a status of Permanent Resident Alien; however a copy of their permanent resident cards was missing from the file. |  |  |  | Reviewer Comment (2026-06-08): copies of perm res alien cards received<br>Buyer Comment (2026-06-08): see attached | 06/08/2026 |  |  | 1 C A |  | IL | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674988 |  | 3158635794 |  | 36657080 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | IL | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674988 |  | 3158635794 |  | 36675637 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | IL | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674989 |  | 3158635795 |  | 36630163 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. |  |  |  | Reviewer Comment (2026-06-02): undiscounted interest rate and rate price received<br>Buyer Comment (2026-06-02): Please see undiscounted rate and summary information | 06/02/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674989 |  | 3158635795 |  | 36630167 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for failing Points and Fees test. |  |  |  | Reviewer Comment (2026-06-02): undiscounted interest rate and rate price received | 06/02/2026 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674991 |  | 3158635799 |  | 36630109 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page [Redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. |  |  |  | Reviewer Comment (2026-06-07): Cured at closing<br>Reviewer Comment (2026-06-05): Cured at closing<br>Buyer Comment (2026-06-04): Do Not Concur. Please see that $[Redacted] of the discount points was cured at closing which accounts for the variance that [Redacted] is finding, system snip of the cure breakdown provided.<br>Reviewer Comment (2026-06-03): Flood (LOL) and Tax Service fee are calculated as finance charges.<br>Buyer Comment (2026-06-02): Please advise on fees used in [Redacted] finance charge calculation, [Redacted] has the fees [Redacted] listed as pre-paids except for the Flood Certification Life of Loan for $[Redacted], unable to determine where the $[Redacted] variance would be calculated. | 06/07/2026 |  |  | 1 C A |  | IL | 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 |
| 225674991 |  | 3158635799 |  | 36630110 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]% tolerance was exceeded by $[Redacted] due to an increase in Title - Lender's Title Insurance. No valid COC provided, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-06-01): Sufficient Cure Provided At Closing |  | 06/01/2026 |  | 1 A |  | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674991 |  | 3158635799 |  | 36630125 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-04): BPO received<br>Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/04/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674991 |  | 3158635799 |  | 36630134 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-04): BPO received<br>Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO | 06/04/2026 |  |  | 1 D A B C |  | IL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674991 |  | 3158635799 |  | 36664128 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-05): Waived |  |  | 06/05/2026 | 2 B |  | IL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674992 |  | 3158635800 |  | 36628899 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-04): BPO received showing no damage to property<br>Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/04/2026 |  |  | 1 C A |  | TX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674992 |  | 3158635800 |  | 36628900 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-04): BPO recieved<br>Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO | 06/04/2026 |  |  | 1 D A B C |  | TX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674992 |  | 3158635800 |  | 36628924 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do Not Concur. The discount points increased when the interest rate changed, this disclosed timely on CD LE v3 and decreased before closing. | 06/02/2026 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674992 |  | 3158635800 |  | 36632410 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. |  |  |  | Reviewer Comment (2026-06-02): undiscounted interest rate and rate price received<br>Buyer Comment (2026-06-02): Please see undiscounted rate and summary information | 06/02/2026 |  |  | 1 C A |  | TX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674992 |  | 3158635800 |  | 36632411 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the points/fees failure. |  |  |  | Reviewer Comment (2026-06-02): undiscounted interest rate and rate price received | 06/02/2026 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674992 |  | 3158635800 |  | 36663265 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan to be securitized and was originated with an Appraisal Waiver. Supporting BPO was received. |  |  |  | Reviewer Comment (2026-06-05): Waived |  |  | 06/05/2026 | 2 B |  | TX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674994 |  | 3158635802 |  | 36607850 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-09): BPO received<br>Buyer Comment (2026-06-09): RD - Please see BPO attached to Secondary Valuation record | 06/09/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674994 |  | 3158635802 |  | 36607856 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-09): BPO received<br>Buyer Comment (2026-06-09): RD - Please see attached BPO | 06/09/2026 |  |  | 1 D A B C |  | NJ | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674994 |  | 3158635802 |  | 36607944 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance was exceeded. The total amount of $[Redacted] exceeds the tolerance of $[Redacted] plus [Redacted]% (or $[Redacted]). Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |  | 05/29/2026 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674994 |  | 3158635802 |  | 36685013 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-09): Waived |  |  | 06/09/2026 | 2 B |  | NJ | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225674997 |  | 3158635807 |  | 36633419 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-06-01): Sufficient Cure Provided At Closing |  | 06/01/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225674998 |  | 3158635810 |  | 36642714 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not concur. Appraisal is being re-used from prior loan. Valid CIC [Redacted]. LEv6 disclosed timely | 06/02/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675000 |  | 3158635815 |  | 36638389 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Valid CIC for property type [Redacted]. LEv3 disclosed timely | 06/02/2026 |  |  | 1 C A |  | MI | 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 |
| 225675002 |  | 3158635822 |  | 36653556 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do not Concur. Valid CICs for interest rate and loan points [Redacted] increased points to $[Redacted]. LE was sent timely. The next increase was already cured at closing | 06/04/2026 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675002 |  | 3158635822 |  | 36653557 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-04): sufficient cure provided at closing to resolve this fee tolerance<br>Buyer Comment (2026-06-04): Do not Concur. Appraisal fee already cured at closing | 06/04/2026 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675003 |  | 3158635824 |  | 36640298 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |  | 06/02/2026 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675003 |  | 3158635824 |  | 36640299 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |  | 06/02/2026 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675004 |  | 3158635826 |  | 36608325 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |  | 05/29/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675005 |  | 3158635828 |  | 36630086 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-04): BPO received<br>Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/04/2026 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675005 |  | 3158635828 |  | 36630092 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-04): BPO received<br>Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO | 06/04/2026 |  |  | 1 D A B C |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675005 |  | 3158635828 |  | 36632339 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. No valid change of circumstance found in file and no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Valid CICs for credit score and loan points [Redacted]. LE disclosed timely same day | 06/02/2026 |  |  | 1 C A |  | AZ | 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 |
| 225675005 |  | 3158635828 |  | 36664036 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-05): Waived |  |  | 06/05/2026 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675006 |  | 3158635830 |  | 36642122 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Valid CICs for appraised value, loan points, and loan amount on [Redacted] and [Redacted]. LE disclosed timely | 06/02/2026 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675006 |  | 3158635830 |  | 36642123 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2026-06-02): fee tolerance issue was cured at closing | 06/02/2026 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675007 |  | 3158635831 |  | 36640612 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Valid CICs for loan amount and loan points [Redacted]. Cd disclosed timely same day | 06/02/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675007 |  | 3158635831 |  | 36640613 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Valid COC for the fee increase was not provided or a sufficient cure. |  |  |  | Reviewer Comment (2026-06-03): Cured at closing or within 60 days of consummation prior to TPR review | 06/03/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675008 |  | 3158635832 |  | 36694201 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 |  |  |  |  |  |  |  |  |  | 3 C B |  | CA | Primary | Refinance - Rate/Term | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675008 |  | 3158635832 |  | 36648762 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/07/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675008 |  | 3158635832 |  | 36648763 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | CA | Primary | Refinance - Rate/Term | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675008 |  | 3158635832 |  | 36648783 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do not Concur. Valid CICs for loan amount and loan points [Redacted]. CD disclosed timely | 06/04/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675009 |  | 3158635833 |  | 36630672 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credits was last disclosed as $[Redacted]on Loan Estimate but disclosed as $[Redacted]on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. Premium pricing turned into positive points and the LE disclosed timely. No CIC required for when the points later decreased and turned back into premium pricing. This is in favor to the customer | 06/02/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675010 |  | 3158635834 |  | 36645456 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |  | 06/02/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675012 |  | 3158635840 |  | 36606764 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition due to excessive points and fees. |  |  |  | Reviewer Comment (2026-06-01): undiscounted rate and rate price received and determined to be acceptable | 06/01/2026 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675012 |  | 3158635840 |  | 36606765 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. |  |  |  | Reviewer Comment (2026-06-01): undiscounted rate and rate price received and determined to be acceptable<br>Buyer Comment (2026-06-01): Please see attached undiscounted rate and reg testing | 06/01/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675012 |  | 3158635840 |  | 36611207 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |  | 05/29/2026 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675013 |  | 3158635841 |  | 36612324 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do not Concur. Valid CICs for product change, loan amount, original mortgage amount [Redacted]. LEv2 disclosed timely | 06/01/2026 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675013 |  | 3158635841 |  | 36612325 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do not Concur. Lock expiration and CIC for loan points [Redacted]. CDv4 disclosed timely | 06/01/2026 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675014 |  | 3158635844 |  | 36626131 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |  | 05/29/2026 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675016 |  | 3158635847 |  | 36610817 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do not Concur. Valid CICs for loan amount, loan points, interest rate [Redacted]. Points disclosed timely on CDv6 at $[Redacted]. Points decreased at closing and no CIC needed for a decrease | 06/01/2026 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675017 |  | 3158635848 |  | 36607536 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under-disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. |  |  |  | Reviewer Comment (2026-06-08): [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2026-06-07): See attached PCCD<br>Reviewer Comment (2026-06-02): [Redacted] received rebuttal that $[Redacted] cured on signing fee cured at closing and $[Redacted] processing fee part of lender credits. The $[Redacted] lender credit portion was included in calculations and only $[Redacted] of the Processing fee was included in [Redacted] calculation. Regarding the $[Redacted] cure, this cure was for the 10% fee tolerance violation and included other fees that increased over 10% tolerance. The entire portion of title-signing & doc Coordination fee was not cured alone and cannot be split out from other portion of the 10% violation. $[Redacted] was underdisclosed at closing on the finance charge calculation. [Redacted] included the following fees in calculation: Flood $[Redacted], prepaid Int $[Redacted], Processing fee $[Redacted], Tax Service $[Redacted], Title-Signing & Doc Coordination $[Redacted], $title-settlement/Closing $[Redacted] and Financial Verification fee $[Redacted]. Cure with Corrected CD, LOE to borrower, copy of cure refund of $[Redacted], proof of mailing and proof of reopening of rescission to all consumers.<br>Buyer Comment (2026-06-01): Do not Concur. [Redacted] calculations are incorrect. $[Redacted] of the signing fee was already cured at closing due to the tolerance fee violation. Also, the processing fee of $[Redacted] should have been included. $[Redacted] was part of lender credits. Please recalculate. No cure due back |  | 06/08/2026 |  | 2 C B |  | CA | 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 |
| 225675017 |  | 3158635848 |  | 36607537 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |  | 05/29/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675018 |  | 3158635849 |  | 36638336 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the missing income docs for one borrower and the missing MI Certificate. |  |  |  | Reviewer Comment (2026-06-05): income documentation received | 06/05/2026 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675018 |  | 3158635849 |  | 36638337 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. | File is missing either a WVOE or a paystub for Borrower 2 ([Redacted]) current employment as required by the AUS. |  |  |  | Reviewer Comment (2026-06-05): income documentation received | 06/05/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675018 |  | 3158635849 |  | 36638338 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The Initial Escrow Account Disclosure reflected an Initial Deposit of $[Redacted]; however, section G of the final CD and the Post Close CD reflected an Initial Deposit of $[Redacted]. |  |  |  | Reviewer Comment (2026-06-04): [Redacted] received<br>Buyer Comment (2026-06-04): Please see attached [Redacted] | 06/04/2026 |  |  | 1 B A |  | NY | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675018 |  | 3158635849 |  | 36638339 |  | Compliance | Compliance | State Compliance | State Late Charge | [Redacted] Late Charge Percent Testing | [Redacted]Late Charge: Note late charge percent of [Redacted]% exceeds the state maximum of [Redacted]%. |  |  |  |  | Reviewer Comment (2026-06-04): late fee is within limits<br>Buyer Comment (2026-06-04): Do not Concur. The note and CD both reflect [Redacted]% late charge. Invalid exception | 06/04/2026 |  |  | 1 B A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675018 |  | 3158635849 |  | 36638345 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] for Recording Fees exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-06-03): Cured at closing or within 60 days of consummation prior to TPR review | 06/03/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675018 |  | 3158635849 |  | 36638346 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do not Concur. Valid CIC for appraisal recert [Redacted]. LEv15 disclosed timely | 06/04/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675018 |  | 3158635849 |  | 36638351 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Taxes were originally cited as $[Redacted] on the initial LE [Redacted], but were increased to $[Redacted] on the second LE issued [Redacted] and ultimately $[Redacted] was charged at closing. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do not Concur. Valid CIC for receipt and upload of purchase contract [Redacted]. LEv2 disclosed timely. Transfer taxes $[Redacted]. Transfer taxes decreased at closing. No cure due back | 06/04/2026 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675018 |  | 3158635849 |  | 36638357 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  | The file is missing a copy of Mortgage Insurance Certificate (MIC) Document. |  |  |  | Reviewer Comment (2026-06-05): MI Cert received<br>Buyer Comment (2026-06-05): This is on page [Redacted]-[Redacted] in the file build | 06/05/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675018 |  | 3158635849 |  | 36638364 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a copy of WVOE - Includes Income. |  |  |  | Reviewer Comment (2026-06-05): income documentation received<br>Buyer Comment (2026-06-05): in file build pg [Redacted] | 06/05/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675018 |  | 3158635849 |  | 36638398 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | DTI of [Redacted]exceeds AUS approved DTI of [Redacted]%. 1008 also reflects DTI over the AUS approval at [Redacted]. |  |  |  | Reviewer Comment (2026-06-05): DIT acceptable<br>Buyer Comment (2026-06-05): DTI is [Redacted] Aus rounds up to [Redacted]. Co applicant has a [Redacted] auto fin payment of [Redacted] balance of [Redacted] which is less than [Redacted] payments so will not be in the DTI. 1008 is not used anymore but would be counting that car payment in the DTI. | 06/05/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675018 |  | 3158635849 |  | 36638427 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing income docs for one borrower and the missing MI Certificate. |  |  |  | Reviewer Comment (2026-06-05): income documentation received<br>Buyer Comment (2026-06-05): In the file build | 06/05/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675018 |  | 3158635849 |  | 36653800 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing income docs for one borrower and the missing MI Certificate. |  |  |  | Reviewer Comment (2026-06-05): income documentation received<br>Buyer Comment (2026-06-05): In the file build | 06/05/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675018 |  | 3158635849 |  | 36656410 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing paystubs or a WVOE for borrower 2 ([Redacted]) |  |  |  | Reviewer Comment (2026-06-05): income documentation received<br>Buyer Comment (2026-06-05): In the file build [Redacted] | 06/05/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675019 |  | 3158635850 |  | 36629865 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675019 |  | 3158635850 |  | 36629936 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The earliest dated CD in file was dated [Redacted] which was not delivered to the borrower at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-06-02): verification of disclosure delivery received<br>Buyer Comment (2026-06-02): Do not Concur. Final LE sent via DocMagic [Redacted]. Initial CD sent via DocMagic [Redacted] | 06/02/2026 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675019 |  | 3158635850 |  | 36629938 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | No evidence of borrower receipt of the revised LE dated [Redacted] in file and the presumed receipt date would not have been at least 4 business days prior to closing. |  |  |  | Reviewer Comment (2026-06-02): verification of disclosure delivery received<br>Buyer Comment (2026-06-02): Do not Concur. Final LE sent via DocMagic [Redacted]. Initial CD sent via DocMagic [Redacted] | 06/02/2026 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675019 |  | 3158635850 |  | 36629940 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Valid CICs for Loan amount, interest rate, loan points, and appraised value [Redacted] and [Redacted]. LEv4 disclosed timely | 06/02/2026 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675020 |  | 3158635851 |  | 36638758 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-03): [Redacted]received valid COC dated [Redacted]<br>Buyer Comment (2026-06-02): Do Not Concur. The discount points increased when the appraised value was received, this disclosed timely on CD LE v2. | 06/03/2026 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675023 |  | 3158635856 |  | 36630722 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under-disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted], which exceeds the $[Redacted] threshold. |  |  |  | Reviewer Comment (2026-06-08): corrected PCCD, LOX, refund check, and proof of delivery received<br>Buyer Comment (2026-06-08): Please see PCCD and refund sent to the borrower<br>Reviewer Comment (2026-06-04): Fees calculated as finance charges: Interest - $[Redacted], Processing Fee - $[Redacted], Title - Archive - $[Redacted], Title - Closing Letter - $[Redacted], Courier - $[Redacted], Title - Processing Fee - $[Redacted], Title - Recording Service - $[Redacted], Title - Settlement Fee - $[Redacted], Title - Underwriting Fee - $[Redacted], ID Verification - $[Redacted]. Per 1026.4(c)(7) only the following are excluded from finance charge calculations: 1026.4(c)(7) excludes the following fees only.<br> (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes.<br> (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents.<br> (iii) Notary and credit-report fees.<br> (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations.<br> (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge.<br>Buyer Comment (2026-06-03): After further review [Redacted] is including the Title-Processing fee $[Redacted] and the Title0Underwriting Fee $[Redacted] as prepaids. Please see LOX from title. These fees should not be included as prepaid fees.<br>Reviewer Comment (2026-06-03): [Redacted] received rebuttal on do not agree with calculations. The Processing fee in Section A was $[Redacted] colleted from borrower. Only borrower paid finance charge fees are included in a Finance charge calculation. Lender paid (or other party) is not included, and if it were, the underdisclosure would have been greater at $[Redacted] underdisclosed instead of the lesser $[Redacted]. Missing lender compliance report in order to determine how lender calculated finance charge. Please provide lender calculations and fees included in the calculation. Otherwise cure is due with Corrected CD, LOE to borrower, copy of cure refund of $[Redacted] and proof of mailing.<br>Buyer Comment (2026-06-02): Do not Concur. [Redacted] dispute comment and [Redacted] calculations amounts do not match. $[Redacted] vs. $[Redacted]. Also [Redacted] is not including the entire processing fee amount of $[Redacted]. A portion is lender credit and should be included too. Please recalculate |  | 06/08/2026 |  | 2 C B |  | MD | 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 |
| 225675023 |  | 3158635856 |  | 36630740 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): RD - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | MD | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675023 |  | 3158635856 |  | 36630746 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): RD - Please see BPO attached to Secondary Valuation record | 06/07/2026 |  |  | 1 C A |  | MD | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675023 |  | 3158635856 |  | 36672262 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): Waived |  |  | 06/07/2026 | 2 B |  | MD | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675025 |  | 3158635858 |  | 36654727 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/07/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675025 |  | 3158635858 |  | 36654740 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | FL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675025 |  | 3158635858 |  | 36672275 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): Waived |  |  | 06/07/2026 | 2 B |  | FL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675028 |  | 3158635864 |  | 36638689 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page [Redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | Finance Charge disclosed on final TIL is $[Redacted]. Due Diligence Finance Charge is $[Redacted]. There is a variance of $[Redacted]. Per itemization of amount financed, discrepancy is caused by exclusion of the following fee(s) from lender's calculation: Project Processing Fee ($[Redacted]). |  |  |  | Reviewer Comment (2026-06-03): Sufficient cure at closing for Project Processing Fee $[Redacted] which also included in finance charge undeerdisclosure violation.<br>Buyer Comment (2026-06-02): Do not Concur. The project processing fee tolerance fee violation was already cured at closing and should not be included in the prepaid calculations | 06/03/2026 |  |  | 1 C A |  | GA | 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 |
| 225675028 |  | 3158635864 |  | 36642834 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Project Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |  | 06/02/2026 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675031 |  | 3158635870 |  | 36607312 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. This credit changed after the initial rate lock date. No valid change of circumstance found in file and no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2026-06-02): [Redacted] received copy of system snip with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-06-01): Do not Concur. Valid CICs for appraised value, loan points, and loan amount changes [Redacted] . LEv3 disclosed timely | 06/02/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675034 |  | 3158635878 |  | 36647980 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | NC | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675034 |  | 3158635878 |  | 36647993 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675034 |  | 3158635878 |  | 36675614 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | NC | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675036 |  | 3158635881 |  | 36637672 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | Evidence of Taxpayer Consent is missing. |  |  |  | Reviewer Comment (2026-06-05): disclosure located in file<br>Buyer Comment (2026-06-05): Located in Application Disclosure in file build pg [Redacted] | 06/05/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675037 |  | 3158635882 |  | 36654366 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. Loan originated with an Appraisal Waiver. |  |  |  | Reviewer Comment (2026-06-07): BPO recieved<br>Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | WA | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675037 |  | 3158635882 |  | 36672274 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): waived |  |  | 06/07/2026 | 2 B |  | WA | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675038 |  | 3158635883 |  | 36641406 |  | 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 (Third Circuit) | 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. | Per title commitment, new lender is prior originating lender of [Redacted]st lien paid off through closing. |  |  |  | Reviewer Comment (2026-06-07): updated RTC sent to borrower<br>Buyer Comment (2026-06-07): See [Redacted] | 06/07/2026 |  |  | 1 C A |  | DE | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675039 |  | 3158635884 |  | 36645870 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |  | 06/02/2026 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675043 |  | 3158635889 |  | 36650989 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675043 |  | 3158635889 |  | 36650993 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | IL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675043 |  | 3158635889 |  | 36675748 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | IL | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675045 |  | 3158635893 |  | 36637600 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit Fee was last disclosed as $[Redacted]on the Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-03): Do not Concur. Initial Loan lock [Redacted] occurred. Premium pricing can float until this happens and LEv4 disclosed timely | 06/03/2026 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675046 |  | 3158635894 |  | 36641377 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted]on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for the fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. LEv6 disclosed timely | 06/04/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675048 |  | 3158635902 |  | 36609844 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | IL | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675048 |  | 3158635902 |  | 36609850 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | IL | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675048 |  | 3158635902 |  | 36612355 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Credit Report fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): Agree, initial LE did disclose credit report fee correctly<br>Buyer Comment (2026-06-01): Do not Concur. The credit report $[Redacted] was disclosed upfront on the initial LE. No cure due back | 06/01/2026 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675048 |  | 3158635902 |  | 36612426 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing VVOE completed within 10 business days of Note. VVOE - Employment Only provided is dated [Redacted] prior to [Redacted] Note date. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 C A |  | IL | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675048 |  | 3158635902 |  | 36612427 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | Missing VVOE completed within 10 business days of Note. VVOE - Employment Only provided is dated [Redacted] prior to [Redacted] Note date. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 C A |  | IL | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675048 |  | 3158635902 |  | 36612453 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE completed within 10 business days of Note. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 C A |  | IL | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675048 |  | 3158635902 |  | 36612455 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing VVOE completed within 10 business days of Note, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675048 |  | 3158635902 |  | 36612456 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing VVOE completed within 10 business days of Note, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 C A |  | IL | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675048 |  | 3158635902 |  | 36675707 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | IL | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675049 |  | 3158635903 |  | 36612145 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page [Redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under-disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. |  |  |  | Reviewer Comment (2026-06-04): Cure at closing for discount points and underdisclosure prior to reporting.<br>Buyer Comment (2026-06-03): Do not Concur. This is not a general credit. The loan points were cured for a tolerance fee violation already at closing. This does not require a double cure.<br>Reviewer Comment (2026-06-02): [Redacted] indicates the review process is to apply general lender credits to non-finance charge fees first then finance charges. The general lender credit.<br>Buyer Comment (2026-06-01): Do not Concur. [Redacted] is including the loan points as a prepaid and should not be. This fee was already cured at closing for the tolerance fee violation at closing. | 06/04/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675051 |  | 3158635905 |  | 36656675 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The loan amount changed after issuance of title commitment. The final title policy is not provided for review. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675051 |  | 3158635905 |  | 36656698 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were disclosed as $[Redacted] on the initial Loan Estimate but were disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do not Concur. Valid CICs for appraised value, Loan points, loan amount [Redacted]. Points increased to $[Redacted]. LEv3 disclosed timely. Points actually decreased at closing. No cure due back | 06/04/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675052 |  | 3158635909 |  | 36608971 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for points and fees overage. |  |  |  | Reviewer Comment (2026-06-01): undiscounted rate and rate price received and acceptable | 06/01/2026 |  |  | 1 B A C |  | IN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675052 |  | 3158635909 |  | 36608972 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. |  |  |  | Reviewer Comment (2026-06-01): undiscounted rate and rate price received and acceptable<br>Buyer Comment (2026-06-01): Please see attached undiscounted rate and reg testing | 06/01/2026 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675052 |  | 3158635909 |  | 36608973 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Ten Percent Fee Tolerance was exceeded. The total amount of $[Redacted] exceeds the tolerance of $[Redacted] plus [Redacted]%, or $[Redacted]. This is $[Redacted] over the legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-06-01): fee tolerance issue was cured at closing on final CD<br>Buyer Comment (2026-06-01): Do not Concur. The ten percent tolerance violation was already cured at closing | 06/01/2026 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675052 |  | 3158635909 |  | 36608974 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Zero Percent Fee Tolerance for Transfer Tax was exceeded. The fee amount of $[Redacted] exceeds the tolerance of $0.00. This is $[Redacted] over the legal limit. No COC was found in the file. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do not Concur. Valid CIC for vesting change [Redacted]. CDv2 disclosed timely | 06/01/2026 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675053 |  | 3158635910 |  | 36611510 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP score in file. |  |  |  | Reviewer Comment (2026-06-01): desk review received, with a value supporting the appraisal value | 06/01/2026 |  |  | 1 D A |  | NJ | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675053 |  | 3158635910 |  | 36611523 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do not Concur. Initial Loan lock did not occur until [Redacted]. Premium pricing and Loan points can float until this happens. Premium pricing turned into positive points when the loan locked. No cure due back | 06/01/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675053 |  | 3158635910 |  | 36611524 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No cure nor COC provided |  |  |  | Reviewer Comment (2026-05-30): Cured at closing or within 60 days of consummation prior to TPR review | 05/30/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675053 |  | 3158635910 |  | 36611525 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. CDv4 disclosed timely | 06/01/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675053 |  | 3158635910 |  | 36646905 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-06-03): Sufficient Cure Provided At Closing |  | 06/03/2026 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675054 |  | 3158635911 |  | 36607751 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Flood Certification (Initial Fee) Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-08): PCCD, LOX, refund check and proof of mailing received<br>Buyer Comment (2026-06-08): Please see PCCD and Refund sent to the customer |  | 06/08/2026 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675054 |  | 3158635911 |  | 36607753 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Flood Certification (Life Of Loan) Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-08): PCCD, LOX, refund check and proof of mailing received<br>Buyer Comment (2026-06-08): Please see PCCD and Refund sent to the customer |  | 06/08/2026 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675054 |  | 3158635911 |  | 36607786 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675057 |  | 3158635914 |  | 36612960 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing VVOE completed within [Redacted] business days of Note. VVOE - Employment Only provided is completed [Redacted] prior to [Redacted] Note date. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675057 |  | 3158635914 |  | 36612961 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Missing VVOE completed within [Redacted] business days of Note. VVOE - Employment Only provided is completed [Redacted] prior to [Redacted] Note date. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675057 |  | 3158635914 |  | 36612973 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing VVOE completed within [Redacted] business days of Note, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675057 |  | 3158635914 |  | 36612974 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing VVOE completed within [Redacted] business days of Note, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675057 |  | 3158635914 |  | 36612975 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE completed within [Redacted] business days of Note |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675058 |  | 3158635916 |  | 36606941 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with an appraisal waiver an no physical inspection was obtained. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675058 |  | 3158635916 |  | 36606949 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | Missing a secondary valuation product for securitization purposes. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675058 |  | 3158635916 |  | 36609805 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of the Note and Title Commitment the loan was a same lender refinance. |  |  |  | Reviewer Comment (2026-06-01): correct form was utilized<br>Buyer Comment (2026-06-01): Do not Concur. The original creditor field in MX was correctly entered as a [Redacted] affiliate which matched the Title schedule B. The rescindable amount is negative value. There were netting escrows on the [Redacted] payoff and the escrow balance on that lien was negative also. These negative amounts play a role in the MX system to why the H-8 form was selected. | 06/01/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675058 |  | 3158635916 |  | 36683014 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675060 |  | 3158635919 |  | 36638301 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | CO | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675060 |  | 3158635919 |  | 36638305 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/07/2026 |  |  | 1 C A |  | CO | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675060 |  | 3158635919 |  | 36672261 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): Waived |  |  | 06/07/2026 | 2 B |  | CO | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675062 |  | 3158635926 |  | 36649390 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-06-03): sufficient cure provided at closing for this fee tolerance | 06/03/2026 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675062 |  | 3158635926 |  | 36649391 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do not Concur. [Redacted] received appraisal/invoice [Redacted]. Final inspection was required. LEv4 disclosed timely | 06/04/2026 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675063 |  | 3158635930 |  | 36612277 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | ID | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675063 |  | 3158635930 |  | 36612278 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | ID | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675063 |  | 3158635930 |  | 36675885 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | ID | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675064 |  | 3158635931 |  | 36634061 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were disclosed as $[Redacted] on the Loan Estimate dated [Redacted] but were disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Valid CICs for appraised value, loan amount, loan points, interest rate [Redacted]. LEv3 disclosed timely | 06/02/2026 |  |  | 1 C A |  | MD | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675065 |  | 3158635932 |  | 36653636 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Missing a copy of the signed final CD to confirm date received by borrower. |  |  |  | Reviewer Comment (2026-06-04): final signed CD received<br>Buyer Comment (2026-06-04): Please see signed CD [Redacted] | 06/04/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675065 |  | 3158635932 |  | 36653637 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Missing a copy of the signed final CD to confirm date received by borrower. |  |  |  | Reviewer Comment (2026-06-04): final signed CD received<br>Buyer Comment (2026-06-04): Please see signed CD [Redacted] | 06/04/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675067 |  | 3158635934 |  | 36609856 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  | Mortgage Insurance Certificate (MIC) not provided. |  |  |  | Reviewer Comment (2026-06-02): MI cert received<br>Buyer Comment (2026-06-02): See MI cert<br>Buyer Comment (2026-06-02): See attached. | 06/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675067 |  | 3158635934 |  | 36609886 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the missing MI cert. |  |  |  | Reviewer Comment (2026-06-02): MI cert received | 06/02/2026 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675067 |  | 3158635934 |  | 36609887 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing MI cert. |  |  |  | Reviewer Comment (2026-06-02): MI cert received<br>Buyer Comment (2026-06-02): See attached. | 06/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675067 |  | 3158635934 |  | 36626241 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | MI Cert is missing from the file. |  |  |  | Reviewer Comment (2026-06-02): MI cert received<br>Buyer Comment (2026-06-02): See attached. | 06/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675069 |  | 3158635939 |  | 36608421 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the CD dated [Redacted], which is after the initial rate lock date. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do not Concur. Valid CIC for loan amount and appraised value [Redacted] . Loan points increased to $[Redacted] and LEv3 disclosed timely same day. Points decreased at closing. No CIC required for a decrease | 06/01/2026 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675070 |  | 3158635940 |  | 36694315 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 |  |  |  |  |  |  |  |  |  | 3 C B |  | CA | Primary | Refinance - Rate/Term | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675070 |  | 3158635940 |  | 36653747 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675070 |  | 3158635940 |  | 36653768 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | CA | Primary | Refinance - Rate/Term | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675070 |  | 3158635940 |  | 36653786 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were not disclosed on the initial Loan Estimate but were disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do not Concur. Valid CICs for credit and loan points [Redacted]. LEv11 disclosed timely | 06/04/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675070 |  | 3158635940 |  | 36653827 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Subordination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Subordination Agreement Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of the new fee. The cure provided at closing ($[Redacted]) is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2026-06-08): corrected PCCD, LOX, refund check and proof of mailing received<br>Buyer Comment (2026-06-08): Please see PCCD and refund sent to the borrower<br>Reviewer Comment (2026-06-04): Appears that $[Redacted] was provided as a cure at closing, which is the exact amount of the calculated overage for the Ten Percent fees in the other condition that was already cured.<br>Buyer Comment (2026-06-04): Do not Concur. Subordination fee was already cured at closing |  | 06/08/2026 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675070 |  | 3158635940 |  | 36656281 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Total [Redacted]% tolerance fees disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase (s). The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2026-06-04): Cured at closing or within 60 days of consummation prior to TPR review | 06/04/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675072 |  | 3158635944 |  | 36677771 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | Note Date: ___; Lien Position: ___ | BPO received does not support the PIW value utilized for approval. |  |  |  |  |  |  |  | 3 C B |  | GA | Primary | Refinance - Rate/Term | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675072 |  | 3158635944 |  | 36612717 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-04): BPO received<br>Buyer Comment (2026-06-04): RD - Please see attached BPO | 06/04/2026 |  |  | 1 D A B C |  | GA | Primary | Refinance - Rate/Term | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675072 |  | 3158635944 |  | 36612732 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-04): BPO received<br>Buyer Comment (2026-06-04): RD - Please see BPO attached to Secondary Valuation record | 06/04/2026 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675072 |  | 3158635944 |  | 36612759 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Point Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-03): Do not concur. Loan amount change increased loan points [Redacted]. CDv2 disclosed timely | 06/03/2026 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675072 |  | 3158635944 |  | 36612760 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-06-03): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-06-02): Do not Concur. Transfer tax tolerance violation already cured at closing | 06/03/2026 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675074 |  | 3158635946 |  | 36650391 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do not Concur. Valid CICs for loan amount, loan points, interest rate [Redacted]. Points increased to $[Redacted] and disclosed timely LEv7 same day. Loan points decreased at closing and CIC is not required for a decrease | 06/04/2026 |  |  | 1 C A |  | ME | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675075 |  | 3158635948 |  | 36607453 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-04): BPO received<br>Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO | 06/04/2026 |  |  | 1 D A B C |  | WA | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675075 |  | 3158635948 |  | 36607455 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-01): PDI received, showing no damage to the property<br>Buyer Comment (2026-06-01): see attached PDI | 06/01/2026 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675075 |  | 3158635948 |  | 36663812 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-04): BPO received | 06/04/2026 |  |  | 1 A |  | WA | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675076 |  | 3158635949 |  | 36652436 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | Reviewer Comment (2026-06-05): cert received<br>Buyer Comment (2026-06-05): In the file build page [Redacted] | 06/05/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675076 |  | 3158635949 |  | 36654643 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the missing MI Certificate. |  |  |  | Reviewer Comment (2026-06-05): MI cert received<br>Buyer Comment (2026-06-05): Enact is in the file build page [Redacted] | 06/05/2026 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675076 |  | 3158635949 |  | 36654644 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing MI Certificate. |  |  |  | Reviewer Comment (2026-06-05): MI cert received | 06/05/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675078 |  | 3158635952 |  | 36610354 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-01): Do not Concur. Valid CICs for Loan points, LnRate, Loan amount [Redacted]. LEv5 disclosed timely | 06/01/2026 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675078 |  | 3158635952 |  | 36610370 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure is not signed/dated to evidence receipt and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-06-01): verification of timely delivery of initial CD received, [Redacted]<br>Buyer Comment (2026-06-01): Do not Concur. Initial CD was sent via [Redacted] | 06/01/2026 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675078 |  | 3158635952 |  | 36623988 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. |  |  |  | Reviewer Comment (2026-06-01): undiscounted interest rate and rate price received and deemed acceptable | 06/01/2026 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675078 |  | 3158635952 |  | 36624006 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the Points/Fees failure. |  |  |  | Reviewer Comment (2026-06-01): undiscounted interest rate and rate price received and deemed acceptable<br>Buyer Comment (2026-06-01): Please see attached undiscounted rate and reg testing | 06/01/2026 |  |  | 1 B A C |  | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675079 |  | 3158635953 |  | 36628253 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted], which exceeds the $[Redacted] threshold. |  |  |  | Reviewer Comment (2026-06-08): [Redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Buyer Comment (2026-06-07): PCCD<br>Buyer Comment (2026-06-07): See PCCD<br>Reviewer Comment (2026-06-03): [Redacted] received rebuttal that all of processing fee should have been included in calculation. However, finance charge calculation should only include the borrower's finance charges in the calculation, and including the lender paid portion would have resulted in an even greater underdisclosure amount. Unable ot locate lender's compliance report or finance charge calculation. Please provide calculations. Underdisclosure of $[Redacted] can be cured with Corrected CD, LOE to borrower, copy of cure refund of $[Redacted] and proof of mailing.<br>Buyer Comment (2026-06-02): Do not Concur. [Redacted] isn't including the entire processing fee $[Redacted]. $[Redacted] is a lender credit and the entire fee should be included as a prepaid fee. Please recalculate |  | 06/08/2026 |  | 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 |
| 225675080 |  | 3158635954 |  | 36626242 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-05-31): Sufficient Cure Provided At Closing |  | 05/31/2026 |  | 1 A |  | MI | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675081 |  | 3158635955 |  | 36608101 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/07/2026 |  |  | 1 C A |  | VA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675081 |  | 3158635955 |  | 36608103 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | VA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675081 |  | 3158635955 |  | 36608119 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at closing. |  |  |  | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |  | 05/29/2026 |  | 1 A |  | VA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675081 |  | 3158635955 |  | 36672260 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): Waived |  |  | 06/07/2026 | 2 B |  | VA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675082 |  | 3158635956 |  | 36628701 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Valid CICs for interest rate and loan points [Redacted]. CDv3 disclosed timely same day | 06/02/2026 |  |  | 1 C A |  | OH | 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 |
| 225675082 |  | 3158635956 |  | 36628702 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Survey Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-08): PCCD, LOX and proof of mailing received<br>Buyer Comment (2026-06-08): Please see attached PCCD<br>Reviewer Comment (2026-06-08): [Redacted] received LOE, however we also require corrected PCCD moving the fee to sec C and LOE to borrower specifying the changes made.<br>Buyer Comment (2026-06-05): Do not Concur. Please see the LOX from title. The [Redacted] 101 survey coverage fee is a title fee. No TRID violation for the fee being held to tolerance and didn't have to be.<br>Buyer Comment (2026-06-04): Do not Concur that a cure is due back, but do concur that the [Redacted] Survey coverage fee is a title fee that should be in section C of the Closing Disclosure. Please confirm that a PCCD only is required. LOX from title attached.<br>Reviewer Comment (2026-06-03): [Redacted] received rebuttal, however we require corrected PCCD along with LOE and attestation confirming title required the survey.<br>Buyer Comment (2026-06-02): Do not Concur that a cure is due back, but do concur that the [Redacted] Survey coverage fee is a title fee that should be in section C of the Closing Disclosure. Please confirm that a PCCD only is required |  | 06/08/2026 |  | 2 C B |  | OH | 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 |
| 225675084 |  | 3158635962 |  | 36608728 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | This file was missing copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675084 |  | 3158635962 |  | 36608730 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | This file was missing copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675084 |  | 3158635962 |  | 36608742 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-01): valid COC received, and fee increase disclosed timely to borrower<br>Buyer Comment (2026-06-01): Do not Concur. Valid CIC [Redacted] and attached complexity LOE for appraisal increase. CDv2 disclosed timely same day | 06/01/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675084 |  | 3158635962 |  | 36608753 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | This file was missing copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675084 |  | 3158635962 |  | 36608754 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | This file was missing copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675084 |  | 3158635962 |  | 36612768 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing VVOEs. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 B A C |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675084 |  | 3158635962 |  | 36612769 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOEs. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675084 |  | 3158635962 |  | 36612821 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing VVOEs. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675084 |  | 3158635962 |  | 36612837 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing a VVOE for both borrowers dated within [Redacted] business days of closing. |  |  |  | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS | 06/02/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675086 |  | 3158635964 |  | 36649794 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-06-04): Cured at closing or within 60 days of consummation prior to TPR review | 06/04/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675088 |  | 3158635969 |  | 36633237 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] closing disclosure with no valid change of circumstance provided and no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Lock extension and valid CIC for loan points [Redacted]. CDv7 disclosed timely | 06/02/2026 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225675088 |  | 3158635969 |  | 36633238 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] closing disclosure with no valid change of circumstance provided and no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Valid CIC [Redacted]. Inspection required due to age or original appraisal | 06/02/2026 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225675090 |  | 3158635971 |  | 36630637 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. |  |  |  | Reviewer Comment (2026-06-02): undiscounted interest rate and rate price received<br>Buyer Comment (2026-06-02): Please see attached undiscounted rate and reg test | 06/02/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675090 |  | 3158635971 |  | 36630650 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the points/fees failure. |  |  |  | Reviewer Comment (2026-06-02): undiscounted interest rate and rate price received<br>Buyer Comment (2026-06-02): Please see attached undiscounted rate and reg test | 06/02/2026 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675090 |  | 3158635971 |  | 36630651 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Discount Points increased on [Redacted]. No valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Valid CICs for interest rate and loan points [Redacted]. CDv4 disclosed timely same day and loan points decreased at closing | 06/02/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675090 |  | 3158635971 |  | 36630652 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee increased on [Redacted]. No valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Valid CICs for Cash out LE expired, Purpose of ref, Loan amount, UFMIP,, and product change [Redacted]. LEv4 disclosed timely | 06/02/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675090 |  | 3158635971 |  | 36630653 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted]. No valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Valid CICs for Cash out LE expired, Purpose of ref, Loan amount, UFMIP,, and product change [Redacted]. LEv4 disclosed timely | 06/02/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675090 |  | 3158635971 |  | 36630654 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Loan Estimate. No valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Valid CICs for Cash out LE expired, Purpose of ref, Loan amount, UFMIP,, and product change [Redacted]. LEv4 disclosed timely | 06/02/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675090 |  | 3158635971 |  | 36630655 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Loan Estimate. No valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Valid CICs for Cash out LE expired, Purpose of ref, Loan amount, UFMIP,, and product change [Redacted]. LEv4 disclosed timely | 06/02/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675091 |  | 3158635972 |  | 36625843 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | File is missing the Initial Escrow Account Disclosure. |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675091 |  | 3158635972 |  | 36625779 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of the application date. |  |  |  | Reviewer Comment (2026-06-08): disclosure received<br>Buyer Comment (2026-06-08): Please see attached acknowledgment. | 06/08/2026 |  |  | 1 B A |  | MA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675091 |  | 3158635972 |  | 36625785 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. File does not contain a valid Change of Circumstance for this added fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-06-09): initial LE showed these fees as Additional Charges, breakdown provided,<br>Buyer Comment (2026-06-08): Please review breakdown to satisfy tolerance citing's | 06/09/2026 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675091 |  | 3158635972 |  | 36625786 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. File does not contain a valid Change of Circumstance for this added fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-06-09): initial LE showed these fees as Additional Charges, breakdown provided,<br>Buyer Comment (2026-06-08): Please see attached break out of fees from our Correspondent lender. | 06/09/2026 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675091 |  | 3158635972 |  | 36625787 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. File does not contain a valid Change of Circumstance for this added fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-06-09): initial LE showed these fees as Additional Charges, breakdown provided, | 06/09/2026 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675091 |  | 3158635972 |  | 36625789 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. File does not contain a valid Change of Circumstance for this added fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-06-09): initial LE showed these fees as Additional Charges, breakdown provided, | 06/09/2026 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675091 |  | 3158635972 |  | 36630111 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Credit Report fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-03): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-06-01): Do not concur - valid CIC in file page581 / D0606 | 06/03/2026 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675092 |  | 3158635975 |  | 36632676 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | TX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675092 |  | 3158635975 |  | 36632678 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | TX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675092 |  | 3158635975 |  | 36675844 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | TX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675093 |  | 3158635976 |  | 36609879 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-04): BPO received<br>Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/04/2026 |  |  | 1 C A |  | MA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675093 |  | 3158635976 |  | 36609897 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-04): BPO received<br>Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO | 06/04/2026 |  |  | 1 D A B C |  | MA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675093 |  | 3158635976 |  | 36612894 |  | 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 $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |  | 05/29/2026 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675093 |  | 3158635976 |  | 36663405 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-05): Waived |  |  | 06/05/2026 | 2 B |  | MA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675094 |  | 3158635977 |  | 36609399 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports the original appraised value. The UCDP in the file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2026-06-01): desk review supporting appraisal value has been received<br>Buyer Comment (2026-06-01): please review | 06/01/2026 |  |  | 1 D A |  | FL | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675096 |  | 3158635981 |  | 36648930 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | WA | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675096 |  | 3158635981 |  | 36672273 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): Waived |  |  | 06/07/2026 | 2 B |  | WA | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675097 |  | 3158635982 |  | 36606844 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Closing Disclosure with an issue date of [Redacted] was signed/dated by the borrowers [Redacted]. |  |  |  | Reviewer Comment (2026-06-01): [Redacted] confirms timestamp accuracy<br>Buyer Comment (2026-06-01): Please review Page [Redacted] / [Redacted]- Although issue date is incorrect ([Redacted]) - [Redacted] identifies the document was prepared [Redacted] (borrowers timestamp confirms) | 06/01/2026 |  |  | 1 B A |  | MA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675097 |  | 3158635982 |  | 36607148 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. $[Redacted] over legal limit. No valid COC found in file for the increase to the Recording Fee and no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2026-06-01): valid COC received and changes delivered timely<br>Buyer Comment (2026-06-01): the CD with issue date [Redacted] was received by borrower [Redacted] per signature, should be reviewed with CIC [Redacted]<br>Buyer Comment (2026-06-01): Do Not Concur - please review valid CIC in file page [Redacted] / [Redacted] | 06/01/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675097 |  | 3158635982 |  | 36609737 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | VOE is not received within [Redacted] days of Note |  |  |  | Reviewer Comment (2026-06-03): VVOE received<br>Buyer Comment (2026-06-03): Please view to clear remaining citing's | 06/03/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675097 |  | 3158635982 |  | 36609750 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | Wages / Start Date: [Redacted]. VOE is not within [Redacted] days of Note |  |  |  | Reviewer Comment (2026-06-03): VVOE received | 06/03/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675097 |  | 3158635982 |  | 36610121 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing a VVOE for the borrower within [Redacted] business days of the Note date. |  |  |  | Reviewer Comment (2026-06-03): VVOE received | 06/03/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675097 |  | 3158635982 |  | 36610125 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the missing VVOE within [Redacted] business days of the Note for the borrower. |  |  |  | Reviewer Comment (2026-06-03): VVOE received | 06/03/2026 |  |  | 1 B A C |  | MA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675097 |  | 3158635982 |  | 36610126 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing VVOE within [Redacted] business days of the Note for the borrower. |  |  |  | Reviewer Comment (2026-06-03): VVOE received | 06/03/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675097 |  | 3158635982 |  | 36610130 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing VVOE within [Redacted] business days of the Note for the borrower. |  |  |  | Reviewer Comment (2026-06-03): VVOE received | 06/03/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675098 |  | 3158635986 |  | 36642089 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | 1003 indicates borrower is a permanent resident alien; however a copy of his Permanent Resident card was missing from the file. |  |  |  | Reviewer Comment (2026-06-05): perm res card received<br>Buyer Comment (2026-06-05): Please review | 06/05/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675100 |  | 3158635990 |  | 36643701 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |  | 06/02/2026 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675100 |  | 3158635990 |  | 36643832 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | MA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675100 |  | 3158635990 |  | 36643838 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | MA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675100 |  | 3158635990 |  | 36675984 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | MA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675101 |  | 3158635991 |  | 36631330 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing verbal verification of employment for borrower dated no more than 10 business days prior to the note date. |  |  |  | Reviewer Comment (2026-06-03): VVOE received | 06/03/2026 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675101 |  | 3158635991 |  | 36631331 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing verbal verification of employment for borrower dated no more than 10 business days prior to the note date. |  |  |  | Reviewer Comment (2026-06-03): VVOE received | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675101 |  | 3158635991 |  | 36631356 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing verbal verification of employment for borrower dated no more than 10 business days prior to the note date. |  |  |  | Reviewer Comment (2026-06-03): VVOE received | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675101 |  | 3158635991 |  | 36631367 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing verbal verification of employment for borrower dated no more than 10 business days prior to the note date. |  |  |  | Reviewer Comment (2026-06-03): VVOE received | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675101 |  | 3158635991 |  | 36631378 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675101 |  | 3158635991 |  | 36631381 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675101 |  | 3158635991 |  | 36633696 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | File is missing verbal verification of employment for borrower dated no more than 10 business days prior to the note date. |  |  |  | Reviewer Comment (2026-06-03): VVOE received | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675101 |  | 3158635991 |  | 36633697 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | File is missing verbal verification of employment for borrower dated no more than 10 business days prior to the note date. |  |  |  | Reviewer Comment (2026-06-03): VVOE received<br>Buyer Comment (2026-06-03): Do Not Concur - please review | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675101 |  | 3158635991 |  | 36675962 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675102 |  | 3158635992 |  | 36607811 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing income documentation and credit score not meeting guidelines. |  |  |  | Reviewer Comment (2026-06-03): income documentation received | 06/03/2026 |  |  | 1 B A C |  | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225675102 |  | 3158635992 |  | 36607817 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File was missing a WVOE to evidence [Redacted] yrs receipt of tip income as required by the AUS. |  |  |  | Reviewer Comment (2026-06-03): income documentation received<br>Buyer Comment (2026-06-03): Please review VOE and TIP worksheet | 06/03/2026 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225675102 |  | 3158635992 |  | 36611069 |  | 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. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2026-06-01): appraisal delivery verified in file is acceptable<br>Buyer Comment (2026-06-01): Do Not Concur - please review page [Redacted] / [Redacted] | 06/01/2026 |  |  | 1 B A |  | MO | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225675102 |  | 3158635992 |  | 36611418 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File was missing a WVOE to evidence [Redacted] yrs receipt of tip income as required by the AUS. |  |  |  | Reviewer Comment (2026-06-03): income documentation received | 06/03/2026 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225675102 |  | 3158635992 |  | 36612211 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Tip Income | General QM: Unable to verify Tip income due to, missing the Year [Redacted] tax returns or transcript, missing the Year [Redacted] tax returns or transcript. |  |  |  |  | Reviewer Comment (2026-06-03): income documentation received | 06/03/2026 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225675102 |  | 3158635992 |  | 36612212 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing income documentation and credit score not meeting guidelines. |  |  |  | Reviewer Comment (2026-06-03): income documentation received | 06/03/2026 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225675102 |  | 3158635992 |  | 36612214 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing income documentation and credit score not meeting guidelines. |  |  |  | Reviewer Comment (2026-06-03): income documentation received | 06/03/2026 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225675102 |  | 3158635992 |  | 36625889 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Borrower median credit score does not meet minimum requirement of [Redacted]. |  |  |  | Reviewer Comment (2026-06-01): [Redacted] min score was for an ARM. loan qualifies based on the AUS<br>Buyer Comment (2026-06-01): Do Not Concur - please review DU findings reflect Approve/Eligible with the [Redacted] FICO (per FNMA it doesn't look like the FICO is restricted at [Redacted] | 06/01/2026 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225675103 |  | 3158635996 |  | 36676197 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | Note Date: ___; Lien Position: ___ | BPO received did not support the value utilized for approval. |  |  |  |  |  |  |  | 3 C B |  | NJ | Primary | Refinance - Rate/Term | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675103 |  | 3158635996 |  | 36632697 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | NJ | Primary | Refinance - Rate/Term | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675104 |  | 3158635997 |  | 36648420 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675104 |  | 3158635997 |  | 36648423 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | MA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675104 |  | 3158635997 |  | 36648443 |  | 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. | 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. |  |  |  | Reviewer Comment (2026-06-04): same lender refinance, correct form utilized<br>Buyer Comment (2026-06-04): Do Not Concur please review page 5-7 of preliminary title commitment (page 446/D0346) , should be considered same lender refinance | 06/04/2026 |  |  | 1 C A |  | 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 B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675104 |  | 3158635997 |  | 36676161 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | MA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675108 |  | 3158636002 |  | 36650728 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do not concur. Please see CIC dated [Redacted]. Lock extension resulted in increase in loan points. | 06/04/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675108 |  | 3158636002 |  | 36650749 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted] for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2026-06-04): HOI coverage in file is acceptable<br>Buyer Comment (2026-06-04): Do not concur. HOI policy states "[Redacted] - Replacement Cost - Similar Construction". | 06/04/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675110 |  | 3158636005 |  | 36639047 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | MA | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675110 |  | 3158636005 |  | 36639048 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/07/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675110 |  | 3158636005 |  | 36672259 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): Waived |  |  | 06/07/2026 | 2 B |  | MA | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675111 |  | 3158636007 |  | 36630734 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/07/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675111 |  | 3158636007 |  | 36630742 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | NJ | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675111 |  | 3158636007 |  | 36672258 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): Waived |  |  | 06/07/2026 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675112 |  | 3158636008 |  | 36629608 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675112 |  | 3158636008 |  | 36629611 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675112 |  | 3158636008 |  | 36683012 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675113 |  | 3158636012 |  | 36637107 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |  | 06/02/2026 |  | 1 A |  | MD | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675114 |  | 3158636013 |  | 36663788 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  |  |  |  |  | 2 B |  | KS | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675114 |  | 3158636013 |  | 36630197 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-04): BPO received<br>Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/04/2026 |  |  | 1 C A |  | KS | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675114 |  | 3158636013 |  | 36630209 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-04): BPO recieved<br>Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO | 06/04/2026 |  |  | 1 D A |  | KS | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675115 |  | 3158636015 |  | 36638807 |  | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. |  | Paystubs are not acceptable due to missing information and based on the AUS, income was validated using [Redacted]; however, the [Redacted] report in file is missing pages [Redacted] and does not reflect the income portion. |  |  |  | Reviewer Comment (2026-06-03): [Redacted] report received<br>Buyer Comment (2026-06-03): Please review uploaded pages [Redacted] of [Redacted] [Redacted] report that does not contain any income figures. Please see paystub at [Redacted] with deposit of $[Redacted] reflected on page [Redacted] of [Redacted] report on [Redacted]. | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675115 |  | 3158636015 |  | 36638833 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to paystubs are not acceptable due to missing information and based on the AUS, income was validated using [Redacted]; however, the [Redacted] report in file is missing pages [Redacted] and does not reflect the income portion. |  |  |  | Reviewer Comment (2026-06-03): [Redacted] report received<br>Buyer Comment (2026-06-03): Please review uploaded pages [Redacted] of [Redacted] [Redacted] report that does not contain any income figures. Please see paystub at [Redacted] with deposit of $[Redacted] reflected on page [Redacted] of [Redacted] report on [Redacted]. | 06/03/2026 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675115 |  | 3158636015 |  | 36638834 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, paystub provided did not contain document date. | Waterfall finding due to paystubs are not acceptable due to missing information and based on the AUS, income was validated using [Redacted]; however, the [Redacted] report in file is missing pages [Redacted] and does not reflect the income portion. |  |  |  | Reviewer Comment (2026-06-03): [Redacted] report received<br>Buyer Comment (2026-06-03): Please review uploaded pages [Redacted] of [Redacted] [Redacted] report that does not contain any income figures. Please see paystub at [Redacted] with deposit of $[Redacted] reflected on page [Redacted] of [Redacted] report on [Redacted]. | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675115 |  | 3158636015 |  | 36638835 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credit Fee changed to $[Redacted]on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-03): Do not concur. Final CD reflects $[Redacted], not $[Redacted], which would be reflected as $[Redacted] on the LE rounded to the nearest dollar. | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675115 |  | 3158636015 |  | 36638843 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to paystubs are not acceptable due to missing information and based on the AUS, income was validated using [Redacted]; however, the [Redacted] report in file is missing pages [Redacted] and does not reflect the income portion. |  |  |  | Reviewer Comment (2026-06-03): [Redacted] report received<br>Buyer Comment (2026-06-03): Please review uploaded pages [Redacted] of [Redacted] [Redacted] report that does not contain any income figures. Please see paystub at [Redacted] with deposit of $[Redacted] reflected on page [Redacted] of [Redacted] report on [Redacted]. | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675115 |  | 3158636015 |  | 36638844 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Paystubs are not acceptable due to missing information and based on the AUS, income was validated using [Redacted]; however, the [Redacted] report in file is missing pages [Redacted] and does not reflect the income portion. |  |  |  | Reviewer Comment (2026-06-03): [Redacted] report received<br>Buyer Comment (2026-06-03): Please review uploaded pages [Redacted] of [Redacted] [Redacted] report that does not contain any income figures. Please see paystub at [Redacted] with deposit of $[Redacted] reflected on page [Redacted] of [Redacted] report on [Redacted]. | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675115 |  | 3158636015 |  | 36638893 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to paystubs are not acceptable due to missing information and based on the AUS, income was validated using [Redacted]; however, the [Redacted] report in file is missing pages[Redacted] and does not reflect the income portion. |  |  |  | Reviewer Comment (2026-06-03): [Redacted] report received<br>Buyer Comment (2026-06-03): Please review uploaded pages [Redacted] of [Redacted] [Redacted] report that does not contain any income figures. Please see paystub at [Redacted] with deposit of $[Redacted] reflected on page [Redacted] of [Redacted] report on [Redacted]. | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675117 |  | 3158636020 |  | 36694218 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 |  |  |  |  |  |  |  |  |  | 3 C B |  | CA | Primary | Refinance - Rate/Term | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675117 |  | 3158636020 |  | 36651204 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO | 06/07/2026 |  |  | 1 D A |  | CA | Primary | Refinance - Rate/Term | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675117 |  | 3158636020 |  | 36651216 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record | 06/07/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675118 |  | 3158636021 |  | 36650598 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] or provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-06-08): HOI coverage is sufficinet<br>Buyer Comment (2026-06-08): Guidelines require that "The minimum amount of required property insurance coverage must be equal to the lesser of (a) 100% of the replacement cost value of the improvements, or (b) The unpaid principal balance of the loan, provided it equals no less than 80% of the replacement cost value of the improvements."<br>The latter part applies. $[Redacted] appraised value less $[Redacted] site value leaves an implied replacement cost of $[Redacted]. [Redacted]% of said amount is $[Redacted]. Loan amount (UPB) is $[Redacted]. $[Redacted] coverage plus $[Redacted] extended coverage ([Redacted]%) yields $[Redacted] which exceeds $[Redacted] loan amount and [Redacted]% of replacement cost. | 06/08/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675118 |  | 3158636021 |  | 36650603 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. |  |  |  | Reviewer Comment (2026-06-08): evidence of appraisal delivery received<br>Buyer Comment (2026-06-08): Please see attached evidence of appraisal receipt. | 06/08/2026 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675121 |  | 3158636025 |  | 36671767 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. The copies of this document in file are not ledgible. |  |  |  | Reviewer Comment (2026-06-08): IEADS received and ledgible.<br>Buyer Comment (2026-06-08): See attached IEADS | 06/08/2026 |  |  | 1 B A |  | NJ | Primary | Refinance - Limited Cash-out GSE | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675121 |  | 3158636025 |  | 36671770 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. The copies of this document in file are not ledgible. |  |  |  | Reviewer Comment (2026-06-08): RTC received and ledgible.<br>Buyer Comment (2026-06-08): See attached Right of Rescission | 06/08/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Limited Cash-out GSE | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675121 |  | 3158636025 |  | 36671773 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Limited Cash-out GSE | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675121 |  | 3158636025 |  | 36671774 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | NJ | Primary | Refinance - Limited Cash-out GSE | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675121 |  | 3158636025 |  | 36672283 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-06-07): Sufficient Cure Provided At Closing |  | 06/07/2026 |  | 1 A |  | NJ | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675121 |  | 3158636025 |  | 36676125 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | NJ | Primary | Refinance - Limited Cash-out GSE | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675122 |  | 3158636031 |  | 36641851 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675122 |  | 3158636031 |  | 36641873 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675122 |  | 3158636031 |  | 36676632 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675123 |  | 3158636036 |  | 36633092 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Reviewer Comment (2026-06-07): final title policy received<br>Buyer Comment (2026-06-06): See attached Title Policy<br>Buyer Comment (2026-06-06): See attached Title Policy with sufficient coverage. | 06/07/2026 |  |  | 1 B A |  | KS | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675123 |  | 3158636036 |  | 36633152 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing evidence of source of funds for Appraisal Fee paid outside of close. |  |  |  | Reviewer Comment (2026-06-02): asset documentation in file is acceptable<br>Buyer Comment (2026-06-02): Do not concur: the Final CD reflects "To" Borrower, not "From" borrower. | 06/02/2026 |  |  | 1 C A |  | KS | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675123 |  | 3158636036 |  | 36633744 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  |  |  |  |  | Reviewer Comment (2026-06-02): asset documentation in file is acceptable | 06/02/2026 |  |  | 1 C A |  | KS | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675123 |  | 3158636036 |  | 36633807 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to missing sufficient assets to close. |  |  |  | Reviewer Comment (2026-06-02): asset documentation in file is acceptable | 06/02/2026 |  |  | 1 B A C |  | KS | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675123 |  | 3158636036 |  | 36633808 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing sufficient assets to close. |  |  |  | Reviewer Comment (2026-06-02): asset documentation in file is acceptable | 06/02/2026 |  |  | 1 C A |  | KS | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675123 |  | 3158636036 |  | 36639124 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing sufficient assets to close. |  |  |  | Reviewer Comment (2026-06-02): asset documentation in file is acceptable | 06/02/2026 |  |  | 1 C A |  | KS | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675123 |  | 3158636036 |  | 36639129 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing evidence of source of funds for Appraisal Fee paid outside of close. |  |  |  | Reviewer Comment (2026-06-02): asset documentation in file is acceptable | 06/02/2026 |  |  | 1 C A |  | KS | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675126 |  | 3158636045 |  | 36606843 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of the Note and Title Commitment, the loan was a same lender refinance.. |  |  |  | Reviewer Comment (2026-06-01): client accepts EV2 condition<br>Buyer Comment (2026-06-01): EV2 accepted. |  |  | 06/01/2026 | 2 B |  | MO | 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 |
| 225675127 |  | 3158636046 |  | 36642905 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | 1003 indicates borrower is a permanent resident alien; however the Permanent Resident card was not found in file. |  |  |  | Reviewer Comment (2026-06-05): ID card received<br>Buyer Comment (2026-06-05): Please see attached Resident Card | 06/05/2026 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675128 |  | 3158636048 |  | 36642095 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO recieved<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675128 |  | 3158636048 |  | 36644337 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | MA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675128 |  | 3158636048 |  | 36676278 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | MA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675129 |  | 3158636050 |  | 36645093 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-04): BPO received<br>Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO<br>Reviewer Comment (2026-06-03): this is a property inspection report, not a secondary valuation product.<br>Buyer Comment (2026-06-03): See page [Redacted] in the Loan File.. | 06/04/2026 |  |  | 1 D A B C |  | WA | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675129 |  | 3158636050 |  | 36645827 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | The initial Loan Estimate provided for review was issued on [Redacted], which is more than 3 business days past the application date of [Redacted]. A separate disclosure is not provided. |  |  |  | Reviewer Comment (2026-06-04): proof of appraisal delivery provided<br>Buyer Comment (2026-06-04): Please see page [Redacted] in the Loan File, as per the borrower request to Reprint the Full Package dated [Redacted] - E-consent received | 06/04/2026 |  |  | 1 B A |  | WA | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675129 |  | 3158636050 |  | 36645828 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | The earliest disclosure provided was issued on [Redacted], which is more than 3 business days after the application date of [Redacted]. |  |  |  | Reviewer Comment (2026-06-04): evidence of disclosure delivery received<br>Buyer Comment (2026-06-04): Please see page [Redacted] in the Loan File, as per the borrower request to Reprint the Full Package dated [Redacted] - E-consent received | 06/04/2026 |  |  | 1 B A |  | WA | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675129 |  | 3158636050 |  | 36645829 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The disclosure is dated [Redacted], which is more than 3 business days after the application date ([Redacted]). |  |  |  | Reviewer Comment (2026-06-04): evidence of disclosure delivery received<br>Buyer Comment (2026-06-04): Please see page [Redacted] in the Loan File, as per the borrower request to Reprint the Full Package dated [Redacted] - E-consent received | 06/04/2026 |  |  | 1 B A |  | WA | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675129 |  | 3158636050 |  | 36645831 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | The initial Loan Estimate was issued on [Redacted], which is more than 3 business days past the application date of [Redacted]. |  |  |  | Reviewer Comment (2026-06-04): evidence of disclosure delivery received<br>Buyer Comment (2026-06-04): Please see page [Redacted] in the Loan File, as per the borrower request to Reprint the Full Package dated [Redacted] - E-consent received | 06/04/2026 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675129 |  | 3158636050 |  | 36663737 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 |  | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-04): Drive-by BPO received, no damage reported | 06/04/2026 |  |  | 1 A |  | WA | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675129 |  | 3158636050 |  | 36695132 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-09): Waived |  |  | 06/09/2026 | 2 B |  | WA | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675131 |  | 3158636052 |  | 36645762 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | [Redacted]% DTI exceeds [Redacted]% maximum. [Redacted]% DTI includes $[Redacted]monthly property tax amount per tax collector tax rolls and preliminary title work. Lender's [Redacted]% DTI includes a lower calculated $[Redacted]monthly property tax amount based on a [Redacted]% tax rate and $[Redacted]acquisition price. |  |  |  | Reviewer Comment (2026-06-04): DTI ratio now meeting AUS/guideline requirements<br>Buyer Comment (2026-06-04): Please see page [Redacted] in the Loan File.. Refinance of subject property is a delayed financing transaction. Date of acquisition is [Redacted]. The document reflects $[Redacted]/year in property taxes. The millage rate calculation is also included and reflects worst case scenario per credit policy. | 06/04/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675131 |  | 3158636052 |  | 36645763 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | [Redacted]% DTI exceeds [Redacted]% maximum. [Redacted]% DTI includes $[Redacted]monthly property tax amount per tax collector tax rolls and preliminary title work. Lender's [Redacted]% DTI includes a lower calculated $[Redacted]monthly property tax amount based on a [Redacted]% tax rate and $[Redacted]acquisition price. |  |  |  | Reviewer Comment (2026-06-04): DTI ratio now meeting AUS/guideline requirements<br>Buyer Comment (2026-06-04): see page [Redacted] in the Loan File | 06/04/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675131 |  | 3158636052 |  | 36645767 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to [Redacted]% DTI exceeds [Redacted]% maximum. |  |  |  | Reviewer Comment (2026-06-04): DTI ratio now meeting AUS/guideline requirements<br>Buyer Comment (2026-06-04): see page [Redacted] in the Loan File | 06/04/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675131 |  | 3158636052 |  | 36645773 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to [Redacted]% DTI exceeds [Redacted]% maximum, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-06-04): DTI ratio now meeting AUS/guideline requirements<br>Buyer Comment (2026-06-04): see page [Redacted] in the Loan File | 06/04/2026 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675131 |  | 3158636052 |  | 36645774 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to [Redacted]% DTI exceeds [Redacted]% maximum, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-06-04): DTI ratio now meeting AUS/guideline requirements<br>Buyer Comment (2026-06-04): see page [Redacted] in the Loan File | 06/04/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675132 |  | 3158636054 |  | 36630967 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee of $[Redacted]POC, total funds to be verified is $[Redacted]. Therefore, the file is does not contain sufficient asset documentation for closing funds. File is missing verification of the payment of the appraisal fee prior to closing. |  |  |  | Reviewer Comment (2026-06-03): asset documentation in file is sufficient<br>Buyer Comment (2026-06-03): Do not concur: P.O.C. items reflect upfront expenses paid out of pocket and are shown on the Closing Disclosure for transparency and informational purposes. Because the appraisal fee has already been paid out of pocket, it should not be included in the final cash-to-close amount. | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675132 |  | 3158636054 |  | 36640191 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee of $[Redacted]POC, total funds to be verified is $[Redacted]. Therefore, the file is does not contain sufficient asset documentation for closing funds. File is missing verification of the payment of the appraisal fee prior to closing. |  |  |  | Reviewer Comment (2026-06-03): asset documentation in file is sufficient | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675132 |  | 3158636054 |  | 36640224 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to file being short the required verified funds. |  |  |  | Reviewer Comment (2026-06-03): asset documentation in file is sufficient | 06/03/2026 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675132 |  | 3158636054 |  | 36640225 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to file being short the required verified funds. |  |  |  | Reviewer Comment (2026-06-03): asset documentation in file is sufficient | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675132 |  | 3158636054 |  | 36640229 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to file being short the required verified funds. |  |  |  | Reviewer Comment (2026-06-03): asset documentation in file is sufficient | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675134 |  | 3158636060 |  | 36644115 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Reviewer Comment (2026-06-09): client accepts EV2 condition<br>Buyer Comment (2026-06-09): Concur. Accept EV2. |  |  | 06/09/2026 | 2 B |  | TN | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675134 |  | 3158636060 |  | 36644142 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): RD - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | TN | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675134 |  | 3158636060 |  | 36644261 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |  | 06/02/2026 |  | 1 A |  | TN | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675134 |  | 3158636060 |  | 36672257 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): Waived |  |  | 06/07/2026 | 2 B |  | TN | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675135 |  | 3158636061 |  | 36607771 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record | 06/08/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675135 |  | 3158636061 |  | 36607787 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-08): BPO received<br>Buyer Comment (2026-06-08): RD - Please see attached BPO | 06/08/2026 |  |  | 1 D A B C |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675135 |  | 3158636061 |  | 36607839 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $0.00 for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2026-06-03): RCE received, sufficient HOI coverage confirmed<br>Buyer Comment (2026-06-03): Please review RCE | 06/03/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675135 |  | 3158636061 |  | 36611397 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of Note and Title Commitment loan was a same lender refinance. |  |  |  | Reviewer Comment (2026-06-01): client accepts EV2 condition<br>Buyer Comment (2026-06-01): Concur. Accept Grade 2. |  |  | 06/01/2026 | 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 C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675135 |  | 3158636061 |  | 36676241 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-08): Waived |  |  | 06/08/2026 | 2 B |  | CA | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675138 |  | 3158636065 |  | 36648080 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | The appraisal indicates $[Redacted]/yr in HOA dues; however, the final CD did not reflect any amount in the filed for "Non-Escrowed Property Costs over Year 1 on page 4. |  |  |  |  |  |  |  | 3 C |  | AR | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675138 |  | 3158636065 |  | 36648085 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do not concur. Please review document ID D0389 page 205, valid Change in Circumstance form ;Loan was locked. | 06/04/2026 |  |  | 1 C A |  | AR | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675139 |  | 3158636068 |  | 36645278 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |  | 06/02/2026 |  | 1 A |  | CO | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675142 |  | 3158636072 |  | 36608342 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |  | 05/29/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675142 |  | 3158636072 |  | 36612498 |  | 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 MERS Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |  | 05/29/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675143 |  | 3158636076 |  | 36649986 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |  |  |  | Reviewer Comment (2026-06-07): BPO received<br>Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO | 06/07/2026 |  |  | 1 D A B C |  | WA | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675143 |  | 3158636076 |  | 36672271 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |  |  |  | Reviewer Comment (2026-06-07): Waived |  |  | 06/07/2026 | 2 B |  | WA | Primary | Refinance - Rate/Term | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675144 |  | 3158636078 |  | 36637701 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for failing points and fees test. |  |  |  | Reviewer Comment (2026-06-03): undiscounted rate and rate price received | 06/03/2026 |  |  | 1 B A C |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675144 |  | 3158636078 |  | 36637702 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Federal Total Loan Amount and $[Redacted] ([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. |  |  |  | Reviewer Comment (2026-06-03): undiscounted rate and rate price received<br>Buyer Comment (2026-06-03): Do Not Concur - please review Loan Detail Report [Redacted], page[Redacted]/[Redacted] and Fee Details Form, page[Redacted]/[Redacted]- excluded bona fide discount points | 06/03/2026 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675146 |  | 3158636082 |  | 36650768 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | AUS did not allow for an appraisal waiver. Appraisal missing from loan file. |  |  |  | Reviewer Comment (2026-06-08): appraisal received<br>Buyer Comment (2026-06-08): See attached.<br>Buyer Comment (2026-06-08): See attached | 06/08/2026 |  |  | 1 D A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675146 |  | 3158636082 |  | 36651458 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Waterfall finding due to the missing appraisal. |  |  |  | Reviewer Comment (2026-06-08): appraisal received<br>Buyer Comment (2026-06-08): Waterfall Appraisal. | 06/08/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675146 |  | 3158636082 |  | 36651676 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. |  |  |  | Reviewer Comment (2026-06-04): undiscounted interest rate information received<br>Buyer Comment (2026-06-04): Please see rate attached | 06/04/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675146 |  | 3158636082 |  | 36651677 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The figures in section G of the Closing Disclosure changed on the Post-Close CD and there was no evidence a new Initial Escrow Account Disclosure was issued to the borrower. |  |  |  | Reviewer Comment (2026-06-04): IEADS received<br>Buyer Comment (2026-06-04): Please see attached IEADS | 06/04/2026 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675146 |  | 3158636082 |  | 36651679 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing appraisal and QM Points/Fees failure. |  |  |  | Reviewer Comment (2026-06-04): undiscounted interest rate information received<br>Buyer Comment (2026-06-04): Please see rate attached | 06/04/2026 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675146 |  | 3158636082 |  | 36651680 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do not Concur. Valid CICs for loan amount and loan points [Redacted]. Le sent timely | 06/04/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675146 |  | 3158636082 |  | 36651681 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do not Concur. Valid CIC for loan amount [Redacted]. LE disclosed timely | 06/04/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675146 |  | 3158636082 |  | 36654171 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Waterfall finding due to the missing appraisal. Unable to calculate LTV. |  |  |  | Reviewer Comment (2026-06-08): appraisal received<br>Buyer Comment (2026-06-08): Waterfall for Appraisal | 06/08/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675146 |  | 3158636082 |  | 36654172 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Waterfall finding due to the missing appraisal. Unable to calculate CTV. |  |  |  | Reviewer Comment (2026-06-08): appraisal received<br>Buyer Comment (2026-06-08): Waterfall for appraisal | 06/08/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675146 |  | 3158636082 |  | 36654259 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | Appraisal missing from file. Loan did not receive valuation waiver from AUS and an appraisal fee was charged on the final Closing Disclosure. |  |  |  | Reviewer Comment (2026-06-08): appraisal received<br>Buyer Comment (2026-06-08): CU score uploaded. | 06/08/2026 |  |  | 1 D A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675146 |  | 3158636082 |  | 36660422 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Appraisal missing from file. Loan did not receive valuation waiver from AUS and an appraisal fee was charged on the final Closing Disclosure. |  |  |  | Reviewer Comment (2026-06-08): appraisal received<br>Buyer Comment (2026-06-08): Waterfall for appraisal. | 06/08/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675147 |  | 3158636084 |  | 36626934 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The amount of lender credit changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-02): Do not Concur. Lock extension and valid CIC for loan points [Redacted]. CDv6 disclosed timely [Redacted] | 06/02/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675148 |  | 3158636088 |  | 36646892 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero percent fee tolerance exceeded for lender credits. Final lender credit of $-[Redacted] exceeds tolerance of $-[Redacted]. No valid change of circumstance found in file and there was no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do not Concur. Valid CIC for appraised value [Redacted]. Premium pricing decreased $1508 and disclosed timely. Premium pricing actually increased at closing and is in benefit to the customer. | 06/04/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675148 |  | 3158636088 |  | 36646895 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. Transaction date considered to be [Redacted] as none of the [Redacted] CDs in file are signed/dated and [Redacted] would be the earliest presumed date of receipt. |  |  |  | Reviewer Comment (2026-06-04): signed final CD received<br>Buyer Comment (2026-06-04): Do not Concur. See attached signed CD | 06/04/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675148 |  | 3158636088 |  | 36646896 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Transaction date considered to be [Redacted] as none of the [Redacted] CDs in file are signed/dated and [Redacted] would be the earliest presumed date of receipt, resulting in an expected RTC expiration date of [Redacted]. |  |  |  | Reviewer Comment (2026-06-04): signed final CD received<br>Buyer Comment (2026-06-04): Do not Concur. See attached signed CD | 06/04/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675149 |  | 3158636089 |  | 36650628 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to DTI. |  |  |  | Reviewer Comment (2026-06-05): higher income for co-borrower confirmed and acceptable | 06/05/2026 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675149 |  | 3158636089 |  | 36652087 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the DTI. |  |  |  | Reviewer Comment (2026-06-05): higher income for co-borrower confirmed and acceptable<br>Buyer Comment (2026-06-05): waterfall | 06/05/2026 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675149 |  | 3158636089 |  | 36652158 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | DTI discrepancy due to amount of income used for co-borrower. Letter in file from employer states income at $[Redacted] annually or $[Redacted]/mo, resulting in a DTI of [Redacted]. The AUS approved a DTI of [Redacted]%. |  |  |  | Reviewer Comment (2026-06-05): higher income for co-borrower confirmed and acceptable<br>Buyer Comment (2026-06-05): Also paystubs in file show a salary of [Redacted] from the department of defense<br>Buyer Comment (2026-06-05): This loan has digital income [Redacted] submitted DFAS income of $[Redacted] is relieved of representations and warranties for the accuracy of the income calculation and the integrity of data. This income was assessed using Direct Deposits and the [[Redacted]: [Redacted]-[Redacted]-[Redacted]] report dated [Redacted] expires [Redacted]; the report must be retained in the loan file. No further documentation is required for this income. | 06/05/2026 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675150 |  | 3158636090 |  | 36654747 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No documentation in file to evidence receipt of the initial Closing Disclosure by the borrower and the presumed receipt date would not have been at least 3 business days prior closing. |  |  |  | Reviewer Comment (2026-06-04): proof of initial CD delivery to borrower has been received<br>Buyer Comment (2026-06-04): Do not Concur. Initial CD sent via [Redacted] [Redacted] | 06/04/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225675150 |  | 3158636090 |  | 36654748 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-06-04): Cured at closing or within 60 days of consummation prior to TPR review | 06/04/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225675150 |  | 3158636090 |  | 36654749 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower<br>Buyer Comment (2026-06-04): Do not Concur. Valid CICs for credit and loan points [Redacted]. Points increased to $[Redacted]. Points actually decreased at closing. No cure due back | 06/04/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |

---

## Exhibit 99.2

[CHASE HOME LENDING MORTGAGE TRUST 2026-AGY1 ABS-15G](chase-abs15g.htm)

**Exhibit 99.2**

**Schedule 3 - Pool 2 AMC Valuation Summary**![](ex99_001.gif)

**Valuation Report**

**Run Date - 6/9/2026 5:32:57 PM** 

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 225674886 |  | 3158635613 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.020% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.80 |
| 225674887 |  | 3158635614 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225674888 |  | 3158635618 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225674889 |  | 3158635619 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -24.870% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674890 |  | 3158635623 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| 225674891 |  | 3158635627 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225674892 |  | 3158635628 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225674893 |  | 3158635632 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| 225674894 |  | 3158635635 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 50.890% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225674895 |  | 3158635637 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.050% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.90 |
| 225674896 |  | 3158635638 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 |
| 225674897 |  | 3158635639 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674898 |  | 3158635640 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225674899 |  | 3158635642 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225674900 |  | 3158635643 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225674901 |  | 3158635644 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 225674902 |  | 3158635645 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| 225674903 |  | 3158635647 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 225674904 |  | 3158635650 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 225674905 |  | 3158635651 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225674906 |  | 3158635655 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 225674907 |  | 3158635656 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.50 |
| 225674908 |  | 3158635658 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225674909 |  | 3158635659 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225674910 |  | 3158635661 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.510% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.510% |  |  |  |  |  |  |  |  | No | 3.00 | 3.20 |
| 225674911 |  | 3158635662 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.40 |
| 225674912 |  | 3158635663 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225674913 |  | 3158635666 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225674914 |  | 3158635668 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 225674915 |  | 3158635669 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 225674916 |  | 3158635671 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
| 225674917 |  | 3158635672 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225674918 |  | 3158635674 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.090% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| 225674919 |  | 3158635684 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.060% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.40 |
| 225674920 |  | 3158635685 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.50 |
| 225674921 |  | 3158635686 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -1.570% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674922 |  | 3158635688 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.30 |
| 225674923 |  | 3158635689 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
| 225674924 |  | 3158635692 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225674925 |  | 3158635693 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| 225674926 |  | 3158635695 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -2.870% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674927 |  | 3158635696 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225674928 |  | 3158635698 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -1.890% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674929 |  | 3158635699 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.10 |
| 225674930 |  | 3158635700 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 3.170% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225674931 |  | 3158635701 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225674932 |  | 3158635702 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -4.430% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674933 |  | 3158635703 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| 225674934 |  | 3158635706 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225674935 |  | 3158635707 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 4.890% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674936 |  | 3158635709 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| 225674937 |  | 3158635711 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.40 |
| 225674938 |  | 3158635714 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 225674939 |  | 3158635716 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.340% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 225674940 |  | 3158635718 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225674941 |  | 3158635720 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.560% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225674942 |  | 3158635724 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 2.340% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674943 |  | 3158635728 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| 225674944 |  | 3158635729 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -11.460% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674945 |  | 3158635731 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225674946 |  | 3158635734 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674947 |  | 3158635737 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -6.100% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674948 |  | 3158635738 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674949 |  | 3158635739 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.350% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.20 |
| 225674950 |  | 3158635741 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225674951 |  | 3158635742 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225674952 |  | 3158635743 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225674953 |  | 3158635744 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225674954 |  | 3158635746 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.30 |
| 225674955 |  | 3158635747 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.60 |
| 225674956 |  | 3158635748 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225674957 |  | 3158635749 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674958 |  | 3158635751 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 225674959 |  | 3158635752 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 225674960 |  | 3158635755 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.60 |
| 225674961 |  | 3158635756 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| 225674962 |  | 3158635758 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -0.510% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674963 |  | 3158635760 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 225674964 |  | 3158635761 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674965 |  | 3158635762 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 225674966 |  | 3158635763 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 225674967 |  | 3158635764 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -21.380% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674968 |  | 3158635769 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.20 |
| 225674969 |  | 3158635771 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
| 225674970 |  | 3158635772 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225674971 |  | 3158635773 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225674972 |  | 3158635774 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| 225674973 |  | 3158635775 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 225674974 |  | 3158635776 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225674975 |  | 3158635777 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 225674976 |  | 3158635778 |  |  |  |  |  |  |  | 0.000% |  |  |  | Desktop Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| 225674977 |  | 3158635779 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225674978 |  | 3158635780 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
| 225674979 |  | 3158635784 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674980 |  | 3158635785 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225674981 |  | 3158635786 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225674982 |  | 3158635787 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225674983 |  | 3158635788 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -0.370% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674984 |  | 3158635789 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 47.330% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 225674985 |  | 3158635790 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| 225674986 |  | 3158635792 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -6.710% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674987 |  | 3158635793 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| 225674988 |  | 3158635794 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 62.630% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674989 |  | 3158635795 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.910% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -8.910% |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| 225674990 |  | 3158635796 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225674991 |  | 3158635799 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -6.840% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674992 |  | 3158635800 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674993 |  | 3158635801 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.30 |
| 225674994 |  | 3158635802 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -0.350% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225674995 |  | 3158635803 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
| 225674996 |  | 3158635805 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225674997 |  | 3158635807 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 225674998 |  | 3158635810 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| 225674999 |  | 3158635814 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225675000 |  | 3158635815 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| 225675001 |  | 3158635817 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 |
| 225675002 |  | 3158635822 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.90 |
| 225675003 |  | 3158635824 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225675004 |  | 3158635826 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225675005 |  | 3158635828 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 2.670% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675006 |  | 3158635830 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 225675007 |  | 3158635831 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.260% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225675008 |  | 3158635832 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -10.530% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675009 |  | 3158635833 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225675010 |  | 3158635834 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 225675011 |  | 3158635837 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.240% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 225675012 |  | 3158635840 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.60 |
| 225675013 |  | 3158635841 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.30 |
| 225675014 |  | 3158635844 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 225675015 |  | 3158635845 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| 225675016 |  | 3158635847 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225675017 |  | 3158635848 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.90 |
| 225675018 |  | 3158635849 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225675019 |  | 3158635850 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225675020 |  | 3158635851 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225675021 |  | 3158635852 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| 225675022 |  | 3158635855 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225675023 |  | 3158635856 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 3.170% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675024 |  | 3158635857 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| 225675025 |  | 3158635858 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -3.130% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675026 |  | 3158635860 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225675027 |  | 3158635862 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| 225675028 |  | 3158635864 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 225675029 |  | 3158635865 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 225675030 |  | 3158635869 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225675031 |  | 3158635870 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 225675032 |  | 3158635874 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.910% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 225675033 |  | 3158635876 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| 225675034 |  | 3158635878 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -1.870% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675035 |  | 3158635880 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.600% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.600% |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| 225675036 |  | 3158635881 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225675037 |  | 3158635882 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -3.920% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675038 |  | 3158635883 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225675039 |  | 3158635884 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225675040 |  | 3158635885 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 225675041 |  | 3158635886 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.60 |
| 225675042 |  | 3158635888 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225675043 |  | 3158635889 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675044 |  | 3158635892 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 |
| 225675045 |  | 3158635893 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 225675046 |  | 3158635894 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225675047 |  | 3158635897 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| 225675048 |  | 3158635902 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.350% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225675049 |  | 3158635903 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.30 |
| 225675050 |  | 3158635904 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225675051 |  | 3158635905 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225675052 |  | 3158635909 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225675053 |  | 3158635910 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675054 |  | 3158635911 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225675055 |  | 3158635912 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.80 |
| 225675056 |  | 3158635913 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225675057 |  | 3158635914 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.00 |
| 225675058 |  | 3158635916 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675059 |  | 3158635917 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| 225675060 |  | 3158635919 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -4.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675061 |  | 3158635922 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225675062 |  | 3158635926 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 225675063 |  | 3158635930 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -0.470% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675064 |  | 3158635931 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| 225675065 |  | 3158635932 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| 225675066 |  | 3158635933 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.10 |
| 225675067 |  | 3158635934 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.20 |
| 225675068 |  | 3158635938 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 225675069 |  | 3158635939 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225675070 |  | 3158635940 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -10.970% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675071 |  | 3158635942 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225675072 |  | 3158635944 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -13.280% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675073 |  | 3158635945 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.40 |
| 225675074 |  | 3158635946 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| 225675075 |  | 3158635948 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 10.510% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| 225675076 |  | 3158635949 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225675077 |  | 3158635951 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.810% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.20 |
| 225675078 |  | 3158635952 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225675079 |  | 3158635953 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.90 |
| 225675080 |  | 3158635954 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.940% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.50 |
| 225675081 |  | 3158635955 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 2.310% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675082 |  | 3158635956 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225675083 |  | 3158635958 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225675084 |  | 3158635962 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| 225675085 |  | 3158635963 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.20 |
| 225675086 |  | 3158635964 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.30 |
| 225675087 |  | 3158635966 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| 225675088 |  | 3158635969 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 225675089 |  | 3158635970 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225675090 |  | 3158635971 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225675091 |  | 3158635972 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225675092 |  | 3158635975 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 3.850% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675093 |  | 3158635976 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 13.630% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675094 |  | 3158635977 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| 225675095 |  | 3158635979 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 225675096 |  | 3158635981 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -8.590% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675097 |  | 3158635982 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225675098 |  | 3158635986 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 225675099 |  | 3158635988 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225675100 |  | 3158635990 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 8.020% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675101 |  | 3158635991 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -8.720% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675102 |  | 3158635992 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 225675103 |  | 3158635996 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -26.990% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675104 |  | 3158635997 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -1.080% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225675105 |  | 3158635999 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.90 |
| 225675106 |  | 3158636000 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.690% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225675107 |  | 3158636001 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225675108 |  | 3158636002 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225675109 |  | 3158636003 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225675110 |  | 3158636005 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 3.520% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675111 |  | 3158636007 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -5.980% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675112 |  | 3158636008 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 9.710% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675113 |  | 3158636012 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.230% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.70 |
| 225675114 |  | 3158636013 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 2.160% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675115 |  | 3158636015 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675116 |  | 3158636019 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.50 |
| 225675117 |  | 3158636020 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -10.530% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675118 |  | 3158636021 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225675119 |  | 3158636022 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 225675120 |  | 3158636024 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 225675121 |  | 3158636025 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 4.280% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675122 |  | 3158636031 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 9.680% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675123 |  | 3158636036 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225675124 |  | 3158636043 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 225675125 |  | 3158636044 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225675126 |  | 3158636045 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.20 |
| 225675127 |  | 3158636046 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225675128 |  | 3158636048 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 1.990% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675129 |  | 3158636050 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 0.530% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675130 |  | 3158636051 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225675131 |  | 3158636052 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225675132 |  | 3158636054 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225675133 |  | 3158636056 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 225675134 |  | 3158636060 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -2.610% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675135 |  | 3158636061 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -4.950% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675136 |  | 3158636063 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.10 |
| 225675137 |  | 3158636064 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.630% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| 225675138 |  | 3158636065 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.00 |
| 225675139 |  | 3158636068 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.190% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| 225675140 |  | 3158636070 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225675141 |  | 3158636071 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 225675142 |  | 3158636072 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.10 |
| 225675143 |  | 3158636076 |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | -7.760% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225675144 |  | 3158636078 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225675145 |  | 3158636079 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 225675146 |  | 3158636082 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| 225675147 |  | 3158636084 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.80 |
| 225675148 |  | 3158636088 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.90 |
| 225675149 |  | 3158636089 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 225675150 |  | 3158636090 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |

---

## Exhibit 99.2

[CHASE HOME LENDING MORTGAGE TRUST 2026-AGY1 ABS-15G](chase-abs15g.htm)

**Exhibit 99.2**

**Schedule 4 - Pool 2 AMC Data Compare Summary (Total)**![](ex99_001.gif)

**Data Compare Summary (Total)**

**Run Date - 6/9/2026 5:32:39 PM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 1 | 265 | 0.38% | 265 |
| State | 0 | 265 | 0.00% | 265 |
| Zip | 0 | 265 | 0.00% | 265 |
| Note Date | 0 | 265 | 0.00% | 265 |
| Original Loan Amount | 0 | 265 | 0.00% | 265 |
| Amortization Term | 0 | 265 | 0.00% | 265 |
| Original Interest Rate | 0 | 265 | 0.00% | 265 |
| Borrower Qualifying FICO | 4 | 265 | 1.51% | 265 |
| Coborrower Qualifying FICO | 1 | 146 | 0.68% | 265 |
| Amortization Type | 0 | 265 | 0.00% | 265 |
| Representative FICO | 1 | 265 | 0.38% | 265 |
| Property Type | 5 | 265 | 1.89% | 265 |
| Interest Only | 0 | 265 | 0.00% | 265 |
| Lien Position | 0 | 265 | 0.00% | 265 |
| Occupancy | 0 | 265 | 0.00% | 265 |
| Purpose | 0 | 265 | 0.00% | 265 |
| Appraised Value | 0 | 265 | 0.00% | 265 |
| Contract Sales Price | 1 | 265 | 0.38% | 265 |
| Balloon Flag | 0 | 265 | 0.00% | 265 |
| Original CLTV | 1 | 265 | 0.38% | 265 |
| Original LTV | 0 | 265 | 0.00% | 265 |
| Origination Channel | 0 | 265 | 0.00% | 265 |
| Appraisal Effective Date | 3 | 207 | 1.45% | 265 |
| Investor: Qualifying Total Debt Ratio | 7 | 265 | 2.64% | 265 |
| Initial Rate Lock Date | 34 | 265 | 12.83% | 265 |
| **Total** | **58** | **6448** | **0.90%** | **265** |

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## Exhibit 99.2

[CHASE HOME LENDING MORTGAGE TRUST 2026-AGY1 ABS-15G](chase-abs15g.htm)

**Exhibit 99.2**

**Schedule 5 – Pool 2 AMC Data Compare**

![](ex99_001.gif)

**Data Compare (Non-Ignored)**

**Run Date - 6/9/2026 5:33:46 PM** 

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 225674887 |  | 3158635614 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225674892 |  | 3158635628 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Difference is due to the amount of property tax used for qualifying. Bid Tape reflects estimated fully assessed whereas Field Value reflects current assessment. |
| 225674896 |  | 3158635638 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225674910 |  | 3158635661 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225674914 |  | 3158635668 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI is same as the Lender's AUS in file |
| 225674921 |  | 3158635686 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225674937 |  | 3158635711 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225674941 |  | 3158635720 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225674959 |  | 3158635752 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225674960 |  | 3158635755 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field value DTI matches the final LP run DTI |
| 225674963 |  | 3158635760 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225674972 |  | 3158635774 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225674973 |  | 3158635775 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225674974 |  | 3158635776 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225674977 |  | 3158635779 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
| 225674981 |  | 3158635786 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
| 225674982 |  | 3158635787 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field value DTI matches latest AUS approval. |
| 225674985 |  | 3158635790 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225674999 |  | 3158635814 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675004 |  | 3158635826 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675007 |  | 3158635831 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225675008 |  | 3158635832 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225675009 |  | 3158635833 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675010 |  | 3158635834 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225675010 |  | 3158635834 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
| 225675014 |  | 3158635844 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225675014 |  | 3158635844 |  |  | Coborrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225675014 |  | 3158635844 |  |  | Representative FICO | [Redacted] | [Redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225675015 |  | 3158635845 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675023 |  | 3158635856 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675029 |  | 3158635865 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675044 |  | 3158635892 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Difference due to amount of REO taxes used by Lender vs review. |
| 225675048 |  | 3158635902 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225675049 |  | 3158635903 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 225675059 |  | 3158635917 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675062 |  | 3158635926 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675088 |  | 3158635969 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Difference is a $[Redacted] pmt that was excluded due to number of payments remaining. Debt was also excluded on DU and field value DTI matches DU. |
| 225675095 |  | 3158635979 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675097 |  | 3158635982 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675098 |  | 3158635986 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI is within one percent of the AUS DTI |
| 225675099 |  | 3158635988 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225675104 |  | 3158635997 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675105 |  | 3158635999 |  |  | Original CLTV | [Redacted] | [Redacted] | Verified | Difference due to the amount of secondary financing used. Reviewed used $[Redacted] as documented by Home Equity Addendum in file. 1008 reflects different figures. |
| 225675109 |  | 3158636003 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675111 |  | 3158636007 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675115 |  | 3158636015 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225675116 |  | 3158636019 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675119 |  | 3158636022 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675120 |  | 3158636024 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675123 |  | 3158636036 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675128 |  | 3158636048 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675130 |  | 3158636051 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675131 |  | 3158636052 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675132 |  | 3158636054 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675135 |  | 3158636061 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| 225675140 |  | 3158636070 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675141 |  | 3158636071 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225675144 |  | 3158636078 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |

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