# EDGAR Filing Document

**Accession Number:** 0001142786
**File Stem:** 0001999371-26-010485
**Filing Date:** 2026-5
**Character Count:** 691514
**Document Hash:** 43a540753f9ac06ab3e26d1a89a2c0e1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-010485.hdr.sgml**: 20260511

**ACCESSION NUMBER**: 0001999371-26-010485

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

**PUBLIC DOCUMENT COUNT**: 34

**CONFORMED PERIOD OF REPORT**: 20260511

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

**FILED AS OF DATE**: 20260511

**DATE AS OF CHANGE**: 20260511

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01089
- **FILM NUMBER:** 26964443

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001142786

<u>J.P. Morgan Mortgage Trust 2026-3</u><br> (Exact name of issuing entity as specified in its charter)

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

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

Amie Davis, (212) 623-7441

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

EXHIBIT INDEX

[99.1](ex99-1.htm) AMC Diligence, LLC ("AMC") Form ABS Due Diligence-15E

[99.2](ex99-2.htm) AMC Data Compare

[99.3](ex99-3.htm) AMC Exception Report

[99.4](ex99-4.htm) AMC Rating Agency Grades

[99.5](ex99-5.htm) AMC Valuation Summary

[99.6](ex99-6.htm) Consolidated Analytics, Inc. ("Consolidated Analytics") Due Diligence Narrative

[99.7](ex99-7.htm) Consolidated Analytics Data Compare

[99.8](ex99-8.htm) Consolidated Analytics Exception Report

[99.9](ex99-9.htm) Consolidated Analytics Rating Agency Grades

[99.10](ex99-10.htm) Consolidated Analytics Valuation Summary

[99.11](ex99-11.htm) Inglet Blair, LLC ("Inglet Blair") Due Diligence Narrative

[99.12](ex99-12.htm) Inglet Blair Data Compare

[99.13](ex99-13.htm) Inglet Blair Exception Report

[99.14](ex99-14.htm) Inglet Blair Rating Agency Grades

[99.15](ex99-15.htm) Inglet Blair Valuation Summary

[99.16](ex99-16.htm) Maxwell Diligence Solutions, LLC ("Maxwell") Due Diligence Narrative

[99.17](ex99-17.htm) Maxwell Exceptions Report

[99.18](ex99-18.htm) Maxwell Grading Report

[99.19](ex99-19.htm) Maxwell Valuation Report

[99.20](ex99-20.htm) Maxwell Data Compare Report

[99.21](ex99-21.htm) Wipro Opus Risk Solutions, LLC ("Opus") Due Diligence Narrative

[99.22](ex99-22.htm) Opus Data Compare

[99.23](ex99-23.htm) Opus Exception Report

[99.24](ex99-24.htm) Opus Rating Agency Grades

[99.25](ex99-25.htm) Opus Valuation Summary

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | J.P. MORGAN ACCEPTANCE CORPORATION II | J.P. MORGAN ACCEPTANCE CORPORATION II |
|  |  | (Depositor) |
| Date: May 11, 2026 |  | /s/ Michael Brown |
|  | Name: | Michael Brown |
|  | Title: | Chief Executive Officer (Senior Officer in charge of securitization) |

---

## Exhibit 99.1

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.1**

![](ex99_001.jpg)

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

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

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

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

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

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

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

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

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

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

**Item 3: Credit rating criteria** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions dated September 30, 2024 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;U.S. Residential Mortgage-backed Securitizations, dated as of August 20, 2025 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025 |

---

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

See attached.

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

See attached.

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**CERTIFICATION**

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

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

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

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

Date: <u>May 11, 2026</u> 

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

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

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

The loans in the Review carried origination dates between September 2025 and March 2026.

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

The Review was conducted on one hundred thirty (130) loans selected by the Client with an aggregate original principal balance of approximately $180.172 million. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

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

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

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

---

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

---

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

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

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

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

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

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appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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

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

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

**DU/LP/Zippy Review** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

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*<u>Qualified Mortgage</u>*

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

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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):

* Initial application (1003);

* Underwriting summary / loan approval (1008);

* Credit report;

* Income and employment documentation;

* 4506T;

* Asset documentation;

* Sales contract;

* Hazard and/or flood insurance policies;

* Copy of note for any junior liens;

* Appraisal;

* Title/Preliminary Title;

* Final 1003;

* Changed circumstance documentation;

* Right of Rescission Disclosure;

* Mortgage/Deed of Trust;

* Note;

* Mortgage Insurance;

* Tangible Net Benefit Disclosure;

* Subordination Agreement;

* FACTA disclosures;

* Notice of Special Flood Hazards;

* Initial and final GFE's;

* HUD from sale of previous residence;

* Final HUD-1;

* Initial TIL;

* Final TIL;

* Loan Estimates;

* Closing Disclosures; and

* 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.

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

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

**OVERALL REVIEW RESULTS SUMMARY**

There were one hundred thirty (130) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable Fitch, Kroll, and Moody's NRSRO grading criteria, twenty-one (21) (16.15%) loans had an overall loan grade of "B". After all documents were presented, under the applicable DBRS and S&P NRSRO grading criteria, twenty-one (21) (16.15%) loans had an overall loan grade of "B". One (1) of the loans with an overall grade of "B" had exceptions across multiple exception types.

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| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Fitch, Kroll, and Moody's Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***16*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**16** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***12*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**12** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**29** |

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**DBRS and S&P Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***15*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**15** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***12*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**12** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**28** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the one hundred thirty (130) loans reviewed, under the applicable Fitch, Kroll, and Moody's NRSRO grading criteria, ten (10) had a Compliance Review "B" grade. Of the one hundred thirty (130) loans reviewed, under the applicable DBRS and S&P NRSRO grading criteria, nine (9) had a Compliance Review "B" grade. Two (2) of the loans with an overall grade of "B" had multiple compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;120 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

14 \| Page

![](ex99_001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;121 | &nbsp;&nbsp;93.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;6.92% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the one hundred thirty (130) loans reviewed, under the applicable NRSRO grading criteria, one (1) loan had a Property Review "B" grade for property/appraisal related issues (see exception detail below).

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;129 | &nbsp;&nbsp;99.23% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.77% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**CREDIT REVIEW RESULTS SUMMARY**

One hundred nineteen (119) mortgage loans (91.54%) of the total received an "A" Credit Review grade. The eleven (11) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;119 | &nbsp;&nbsp;91.54% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;8.46% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the one hundred thirty (130) mortgage loans reviewed, eighty-eight (81) (62.31%) mortgage loans had tape discrepancies across twenty-one (21) unique data fields. The most common tape discrepancies were Original P&I (34.62%), Original Loan Amount (33.08%), and Contract Sales Price (15.38%). AMC found generally that the DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;45 | &nbsp;&nbsp;34.62% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;43 | &nbsp;&nbsp;33.08% |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;20 | &nbsp;&nbsp;15.38% |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;8 | &nbsp;&nbsp;6.15% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;5.38% |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.62% |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.62% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.08% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.31% |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.31% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.31% |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.31% |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.54% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.54% |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.77% |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.77% |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.77% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.77% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.77% |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.77% |

---

15 \| Page

![](ex99_001.jpg)

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**TPR Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;130 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$180171708.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**130** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180171708.00** | &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;130 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$180171708.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**130** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180171708.00** | &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;130 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$180171708.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**130** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180171708.00** | &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;75 | &nbsp;&nbsp;57.69% | &nbsp;&nbsp;$101174316.00 | &nbsp;&nbsp;56.15% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;31 | &nbsp;&nbsp;23.85% | &nbsp;&nbsp;$47555306.00 | &nbsp;&nbsp;26.39% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;16 | &nbsp;&nbsp;12.31% | &nbsp;&nbsp;$23311486.00 | &nbsp;&nbsp;12.94% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;8 | &nbsp;&nbsp;6.15% | &nbsp;&nbsp;$8130600.00 | &nbsp;&nbsp;4.51% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**130** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180171708.00** | &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;129 | &nbsp;&nbsp;99.23% | &nbsp;&nbsp;$179076708.00 | &nbsp;&nbsp;99.39% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.77% | &nbsp;&nbsp;$1095000.00 | &nbsp;&nbsp;0.61% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**130** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180171708.00** | &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;73 | &nbsp;&nbsp;56.15% | &nbsp;&nbsp;$105726486.00 | &nbsp;&nbsp;58.68% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;44 | &nbsp;&nbsp;33.85% | &nbsp;&nbsp;$58078112.00 | &nbsp;&nbsp;32.23% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;8 | &nbsp;&nbsp;6.15% | &nbsp;&nbsp;$9489610.00 | &nbsp;&nbsp;5.27% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.31% | &nbsp;&nbsp;$3742500.00 | &nbsp;&nbsp;2.08% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.54% | &nbsp;&nbsp;$3135000.00 | &nbsp;&nbsp;1.74% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**130** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180171708.00** | &nbsp;&nbsp;**100.00%** |

---

16 \| Page

![](ex99_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;115 | &nbsp;&nbsp;88.46% | &nbsp;&nbsp;$159288022.00 | &nbsp;&nbsp;88.41% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;15 | &nbsp;&nbsp;11.54% | &nbsp;&nbsp;$20883686.00 | &nbsp;&nbsp;11.59% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**130** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180171708.00** | &nbsp;&nbsp;**100.00%** |

---

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

**EXCEPTION DETAIL**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch, Kroll, and Moody's Exceptions** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Exception Type** |
| &nbsp;&nbsp;TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Check Restated Loan Designation Match - QM / ATR | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Not Provided Timely | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Right to Cancel Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Have Escrow Account | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Not Have Escrow Account | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Missing Data) Last Rate Set Date | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Maximum Loan Amount discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Appraisal is required to be in name of Lender | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Property |

---

17 \| Page

![](ex99_001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P Exceptions** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Exception Type** |
| &nbsp;&nbsp;TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Not Provided Timely | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Right to Cancel Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Have Escrow Account | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Not Have Escrow Account | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Missing Data) Last Rate Set Date | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Maximum Loan Amount discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Appraisal is required to be in name of Lender | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Property |

---

18 \| Page

## Exhibit 99.2

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 304871565 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304862173 | Representative FICO | 810 | 814 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 304877984 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304869213 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304869213 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304891111 | Representative FICO | 707 | 688 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304891111 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304891111 | Investor: Qualifying Total Debt Ratio | 28.14 | 31.32642 | Verified | Matches AUS. |
| 304896838 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304866980 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304828368 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304828368 | Investor: Qualifying Total Debt Ratio | 38.9717 | 28.60233 | Verified | Field Value DTI matches 1008 DTI. |
| 304818197 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304868776 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304875231 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305055201 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305055201 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305055201 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305055201 | Property Type | Condo | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060988 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305060988 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305053458 | Coborrower First Name | xxxx | xxxx | Verified | Co-borrower not in loan |
| 305053458 | Coborrower Last Name | xxxx | xxxx | Verified | Co-borrower not in loan |
| 305053458 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305053458 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305053458 | Investor: Qualifying Total Debt Ratio | 27.77 | 23.1985 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 305037899 | Property Type | 2 Family | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305037899 | # of Units | 2 | 1 | Verified | Field value reflects source document |
| 305037899 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 305037899 | Investor: Qualifying Total Debt Ratio | 25.3428 | 33.37741 | Verified | Field Value DTI matches 1008 DTI. |
| 305037899 | Decision System | LP / LPA | DU | Verified | Field value reflects source document |
| 305042066 | Investor: Qualifying Total Debt Ratio | 42.61 | 36.52022 | Verified | Field Value DTI matches 1008 DTI. |
| 305037148 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 305064373 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305064373 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305064373 | Contract Sales Price | xxxx | xxxx | Verified | n/a - refinance |
| 305064361 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305064361 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305064361 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305064364 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 305064364 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305064364 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305061234 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305064371 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305064371 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305064371 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305064367 | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305064365 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305064365 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305064365 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305064365 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305064365 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305064365 | Original CLTV | xxxx | xxxx | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305064365 | Original LTV | xxxx | xxxx | Verified | Tape Value reflects the CLTV value |
| 305088545 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305088545 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088562 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088551 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305088551 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088546 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305088546 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088556 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088565 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305088565 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088567 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305088567 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088564 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305088564 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088563 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305088563 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088557 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305088557 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088549 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305088549 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088568 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305088568 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088561 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305088561 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088548 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 305088558 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305088558 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088540 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305088540 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088554 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305088554 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088566 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305088566 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088553 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305092362 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092362 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092352 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092352 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092352 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092360 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092360 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092360 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092348 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092336 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092336 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092318 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092318 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092302 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092302 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092302 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092359 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092359 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092359 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305092347 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092347 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092337 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092337 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092337 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092320 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092320 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092361 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092361 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092361 | Representative FICO | 764 | 736 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305092349 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092349 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092349 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092333 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092304 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092363 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092363 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092363 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092350 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092364 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092355 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092355 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092355 | Investor: Qualifying Total Debt Ratio | 37.78 | 42.06434 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 305092315 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092330 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092330 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092356 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092356 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092356 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092343 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092343 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092323 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305092331 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092331 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092354 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092354 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092306 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092334 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092334 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092334 | Investor: Qualifying Total Debt Ratio | 38.54 | 47.92157 | Verified | DTI matches with 1008 |
| 305092358 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092345 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092345 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092345 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092325 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092311 | Investor: Qualifying Total Debt Ratio | 26.08 | 33.45351 | Verified | 1008 approval reflects 33.45% DTI |
| 305092329 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092329 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092351 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092351 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092357 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092357 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092340 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092340 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092340 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305092312 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092312 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305092353 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305092353 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |

---

## Exhibit 99.3

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 304871565 | 34750136 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xx/xx/xxxx did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | Good Faith Redisclosure C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304871565 | 34750137 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304860652 | 34784482 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xx/xx/xxxx disclosed an inaccurate APR of xxxx% compared to the actual APR at consummation of xxxx% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304860652 | 34784483 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304860652 | 34784484 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-566.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | KS | 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 |
| 304862173 | 34851721 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862173 | 34853389 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304862173 | 34913125 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304856883 | 34871821 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 11/28/2025 |  |  | 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 |
| 304869213 | 34968330 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | 765 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/26/2025 | 2 B |  | CO | Second Home | Purchase | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304876549 | 34951894 |  | 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 $550.00 exceeds tolerance of $425.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/11/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304888300 | 34952191 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | xxxx |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304891111 | 34972429 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304896838 | 34980034 |  | 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 $421.00 exceeds tolerance of $321.00 plus 10% or $353.10. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/13/2025 |  | 1 A |  | OR | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304846860 | 34984682 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. |  | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/17/2025 | 2 B |  | WA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304860645 | 35015711 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304860645 | 35016944 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score is above 680. | 720 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/02/2025 | 2 C B |  | SC | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304828368 | 35009323 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304828368 | 35009327 |  | 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 $68.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/14/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304818197 | 35264262 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304818197 | 35264263 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 10/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304818197 | 35264265 |  | Compliance | 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 $8,360.00 exceeds tolerance of $3,000.00. $5,360.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304856860 | 35264458 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304868776 | 35264700 |  | 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 $-2,567.85 exceeds tolerance of $-14,984.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304875231 | 35264760 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 B A |  | AZ | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304875231 | 35264762 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $700.00 exceeds tolerance of $575.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/13/2025 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304875231 | 35264764 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 B A |  | AZ | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304875231 | 35264765 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305055201 | 35973395 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,750.00 exceeds tolerance of $675.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/05/2026 |  | 1 A |  | MI | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305055201 | 35973413 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 03/06/2026 |  |  | 1 A |  | MI | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305055201 | 35973524 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 03/06/2026 |  |  | 1 B A |  | MI | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305055201 | 35975434 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. |  | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | 17.99822% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/10/2026 | 2 C B |  | MI | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305057740 | 35998423 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305060988 | 36014025 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx |  |  |  | xxxx |  | 03/23/2026 |  | 2 C B |  | UT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305037899 | 36067410 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 02/12/2026 |  |  | 1 B A |  | DC | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305037148 | 36067485 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | xxxx |  |  |  | xxxx | 02/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305037148 | 36067488 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/12/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305037148 | 36067489 |  | 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 Lenders Attorney Fee. Fee Amount of $295.00 exceeds tolerance of $195.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/12/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305037148 | 36067490 |  | 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 $171.04 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/12/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305037148 | 36067491 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 02/23/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305037148 | 36067492 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 02/23/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305037148 | 36067493 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 02/23/2026 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305037148 | 36067494 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 02/23/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064361 | 36082664 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | xxxx |  |  |  | xxxx | 03/18/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064372 | 36105720 |  | 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 $283.50 exceeds tolerance of $250.00 plus 10% or $275.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/20/2026 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305064371 | 36114027 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx |  |  |  | xxxx | 03/24/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064367 | 36143448 |  | 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 $184.25 exceeds tolerance of $25.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/25/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305064365 | 36143464 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | xxxx |  |  |  | xxxx | 03/25/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064365 | 36143545 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 03/25/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305064365 | 36143552 |  | 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 $-2,272.43 exceeds tolerance of $-8,331.88. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/26/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305060986 | 36167996 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305060986 | 36168007 |  | 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 $124.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/27/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088541 | 36261458 |  | 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 $370.00 exceeds tolerance of $325.00 plus 10% or $357.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/09/2026 |  | 1 A |  | NJ | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088541 | 36261459 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/09/2026 |  | 1 A |  | NJ | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088541 | 36261460 |  | 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 $314.54 exceeds tolerance of $299.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/09/2026 |  | 1 A |  | NJ | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088543 | 36256031 |  | 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 $175.00 exceeds tolerance of $89.00 plus 10% or $97.90. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088543 | 36256032 |  | 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 $424.25 exceeds tolerance of $395.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088545 | 36256939 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | xxxx | 04/22/2026 |  |  | 1 C A |  | ME | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305088545 | 36256950 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $399.00 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | ME | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088562 | 36256366 |  | 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 $173.50 exceeds tolerance of $124.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088551 | 36255694 |  | 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 $424.25 exceeds tolerance of $319.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088560 | 36255644 |  | 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 $685.00 exceeds tolerance of $280.00 plus 10% or $308.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | NY | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088560 | 36255645 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | NY | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088560 | 36255646 |  | 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 $273.75 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | NY | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088560 | 36255647 |  | 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 $33,300.00 exceeds tolerance of $25,900.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | NY | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088546 | 36255397 |  | 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 $401.30 exceeds tolerance of $395.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088547 | 36261536 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/09/2026 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305088556 | 36262160 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. | xxxx |  |  |  |  |  |  |  | 2 B |  | OH | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305088565 | 36256437 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088567 | 36265472 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | xxxx |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088563 | 36259182 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 04/14/2026 |  | 2 C B |  | TX | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088563 | 36259183 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 04/14/2026 |  | 2 C B |  | TX | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088563 | 36259184 |  | 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 Re-Issue Fee. Fee Amount of $6.30 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | TX | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088557 | 36263751 |  | 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 $401.30 exceeds tolerance of $395.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/09/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088549 | 36257555 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xx/xx/xxxx are underdisclosed. | xxxx |  |  |  | xxxx |  | 04/14/2026 |  | 2 C B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088549 | 36257556 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | xxxx |  |  |  | xxxx |  | 04/14/2026 |  | 2 C B |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088549 | 36257557 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. | xxxx |  |  |  | xxxx |  | 04/14/2026 |  | 2 C B |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088549 | 36257558 |  | 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 xx/xx/xxxx are underdisclosed. | xxxx |  |  |  | xxxx |  | 04/14/2026 |  | 2 C B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088549 | 36257561 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 04/14/2026 |  | 2 C B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088549 | 36257562 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 04/14/2026 |  | 2 C B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088549 | 36263655 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-595.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 04/09/2026 |  | 1 A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088549 | 36263657 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $595.00 exceeds tolerance of $590.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 04/09/2026 |  | 1 A |  | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088568 | 36255837 |  | 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 Title - Service Charges. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | MN | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088568 | 36255838 |  | 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 $2,243.70 exceeds tolerance of $2,237.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | MN | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088544 | 36256063 |  | 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 $242.50 exceeds tolerance of $200.00 plus 10% or $220.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088544 | 36256064 |  | 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 $675.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088544 | 36256065 |  | 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 $314.54 exceeds tolerance of $299.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305088544 | 36261640 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 04/18/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305088548 | 36263919 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | 797 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/29/2026 | 2 C B |  | CO | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305088548 | 36263931 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. |  | xxxx |  |  |  | xxxx | 04/20/2026 |  |  | 1 C A |  | CO | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305088548 | 36263934 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Comparable(s) photos are missing or not legible. |  | xxxx |  |  |  | xxxx | 04/20/2026 |  |  | 1 C A |  | CO | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305088558 | 36261067 |  | 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 $110.50 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/09/2026 |  | 1 A |  | GA | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092324 | 36307396 |  | 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 $419.00 exceeds tolerance of $399.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/20/2026 |  | 1 A |  | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092360 | 36307060 |  | 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 $135.00 exceeds tolerance of $130.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/20/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092348 | 36311055 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx |  |  |  | xxxx | 04/27/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305092336 | 36286099 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $350.00 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 04/15/2026 |  | 1 A |  | TX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092347 | 36285815 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $295.00 exceeds tolerance of $0.00. $295.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/22/2026 |  |  | 1 C A |  | UT | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092347 | 36285816 |  | Compliance | 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 $6.00 exceeds tolerance of $0.00. $6.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/22/2026 |  |  | 1 C A |  | UT | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092347 | 36321377 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $295.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 04/22/2026 |  | 1 A |  | UT | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092347 | 36321378 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $5.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 04/22/2026 |  | 1 A |  | UT | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092313 | 36286726 |  | 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 $825.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/15/2026 |  | 1 A |  | MA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092361 | 36286327 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/15/2026 |  | 1 A |  | IA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092361 | 36286328 |  | 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 $152.34 exceeds tolerance of $130.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/15/2026 |  | 1 A |  | IA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092349 | 36307206 |  | 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 $775.00 exceeds tolerance of $645.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/20/2026 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092349 | 36311061 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. |  | xxxx |  |  |  | xxxx | 04/29/2026 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305092319 | 36321287 |  | 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 $410.00 exceeds tolerance of $350.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/22/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092314 | 36307309 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $795.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 04/20/2026 |  | 1 A |  | IL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092350 | 36311133 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely) | Maryland Mortgage Lending Regulations: Disclosure on responsibility for payment of taxes and insurance not provided to borrower within ten (10) business days of application or three (3) business days prior to closing. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305092307 | 36306562 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $700.00 exceeds tolerance of $625.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/20/2026 |  | 1 A |  | ID | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092307 | 36306563 |  | 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 $135.00 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/20/2026 |  | 1 A |  | ID | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092355 | 36287173 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $165.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/15/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092346 | 36286167 |  | 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 $575.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/15/2026 |  | 1 A |  | TN | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092346 | 36286168 |  | 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 $289.00 exceeds tolerance of $231.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/15/2026 |  | 1 A |  | TN | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092315 | 36307718 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305092356 | 36307294 |  | 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 $255.25 exceeds tolerance of $222.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/20/2026 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092356 | 36307295 |  | 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 Title - Lender's Title Insurance. Fee Amount of $5,318.37 exceeds tolerance of $4,973.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/20/2026 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092356 | 36307296 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $6,855.77 exceeds tolerance of $6,855.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/20/2026 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092343 | 36294633 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305092331 | 36300398 |  | 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 $77.25 exceeds tolerance of $68.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/17/2026 |  | 1 A |  | UT | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092334 | 36306401 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $129.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/20/2026 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092334 | 36306402 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $132.50 exceeds tolerance of $124.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/20/2026 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092345 | 36286479 |  | 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 $274.55 exceeds tolerance of $225.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/15/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092308 | 36286448 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $169.95 exceeds tolerance of $0.00. $169.95 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/22/2026 |  |  | 1 C A |  | NE | 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 |
| 305092329 | 36307835 |  | 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 xx/xx/xxxx are underdisclosed. | xxxx |  |  |  | xxxx |  | 04/30/2026 |  | 2 C B |  | ID | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092357 | 36286284 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score is above 680. | 796 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/29/2026 | 2 C B |  | MO | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305092322 | 36309860 |  | 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 Title - Tax Certificate Fee. Fee Amount of $13.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/20/2026 |  | 1 A |  | CO | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092322 | 36309861 |  | 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 Title - Release Tracking Fee. Fee Amount of $60.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/20/2026 |  | 1 A |  | CO | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305092353 | 36311067 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx |  |  |  | xxxx | 05/07/2026 |  |  | 1 C A |  | CO | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305092299 | 36286472 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. $90.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/08/2026 |  |  | 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 |
| 305092299 | 36421947 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 05/08/2026 |  | 1 A |  | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |

---

## Exhibit 99.4

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Customer Loan ID** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 304871565 | A | C | A | C | A | A | A | A |  |
| 304860652 | A | C | A | C | A | A | A | A |  |
| 304862173 | B | B C | A | B C | B | A B | A | B |  |
| 304856883 | A | C | A | C | A | A | A | A |  |
| 304877984 | A | A | A | A | A | A | A | A |  |
| 304869213 | A | A | A | A | B | A | A | B |  |
| 304876549 | A | A | A | A | A | A | A | A |  |
| 304888300 | A | A | B | B | A | A | B | B |  |
| 304891111 | A | B | A | B | A | B | A | B |  |
| 304896838 | A | A | A | A | A | A | A | A |  |
| 304846860 | B | A | A | B | B | A | A | B |  |
| 304866980 | A | A | A | A | A | A | A | A |  |
| 304862184 | A | A | A | A | A | A | A | A |  |
| 304860645 | C | A | A | C | B | A | A | B |  |
| 304828368 | C | A | A | C | A | A | A | A |  |
| 304818197 | C | C | A | C | A | A | A | A |  |
| 304856860 | C | A | A | C | A | A | A | A |  |
| 304868776 | A | C | A | C | A | A | A | A |  |
| 304875231 | C | B | A | C | A | A | A | A |  |
| 305047886 | A | A | A | A | A | A | A | A |  |
| 305053575 | A | A | A | A | A | A | A | A |  |
| 305034546 | A | A | A | A | A | A | A | A |  |
| 305055201 | C | A | A | C | B | A | A | B |  |
| 305057740 | B | A | A | B | B | A | A | B |  |
| 305060988 | A | C | A | C | A | B | A | B |  |
| 305053458 | A | A | A | A | A | A | A | A |  |
| 305037899 | A | B | A | B | A | A | A | A |  |
| 305042066 | A | A | A | A | A | A | A | A |  |
| 305037148 | C | C | A | C | A | A | A | A |  |
| 305064378 | A | A | A | A | A | A | A | A |  |
| 305064373 | A | A | A | A | A | A | A | A |  |
| 305064361 | C | A | A | C | A | A | A | A |  |
| 305064376 | A | A | A | A | A | A | A | A |  |
| 305064364 | A | A | A | A | A | A | A | A |  |
| 305063841 | A | A | A | A | A | A | A | A |  |
| 305064372 | A | A | A | A | A | A | A | A |  |
| 305061234 | A | A | A | A | A | A | A | A |  |
| 305064371 | A | C | A | C | A | A | A | A |  |
| 305064367 | A | A | A | A | A | A | A | A |  |
| 305064365 | C | C | A | C | A | A | A | A |  |
| 305060986 | B | A | A | B | B | A | A | B |  |
| 305088541 | A | A | A | A | A | A | A | A |  |
| 305088543 | A | A | A | A | A | A | A | A |  |
| 305088545 | C | A | A | C | A | A | A | A |  |
| 305088562 | A | A | A | A | A | A | A | A |  |
| 305088551 | A | A | A | A | A | A | A | A |  |
| 305088560 | A | A | A | A | A | A | A | A |  |
| 305088546 | A | A | A | A | A | A | A | A |  |
| 305088547 | B | A | A | B | B | A | A | B |  |
| 305088556 | A | B | A | B | A | B | A | B |  |
| 305088565 | A | A | A | A | A | A | A | A |  |
| 305088567 | A | B | A | B | A | B | A | B |  |
| 305088564 | A | A | A | A | A | A | A | A |  |
| 305088542 | A | A | A | A | A | A | A | A |  |
| 305088563 | A | C | A | C | A | B | A | B |  |
| 305088552 | A | A | A | A | A | A | A | A |  |
| 305088557 | A | A | A | A | A | A | A | A |  |
| 305088549 | A | C | A | C | A | B | A | B |  |
| 305088568 | A | A | A | A | A | A | A | A |  |
| 305088544 | C | A | A | C | A | A | A | A |  |
| 305088539 | A | A | A | A | A | A | A | A |  |
| 305088561 | A | A | A | A | A | A | A | A |  |
| 305088548 | C | A | A | C | B | A | A | B |  |
| 305088558 | A | A | A | A | A | A | A | A |  |
| 305088540 | A | A | A | A | A | A | A | A |  |
| 305088550 | A | A | A | A | A | A | A | A |  |
| 305088554 | A | A | A | A | A | A | A | A |  |
| 305088559 | A | A | A | A | A | A | A | A |  |
| 305088566 | A | A | A | A | A | A | A | A |  |
| 305088553 | A | A | A | A | A | A | A | A |  |
| 305092362 | A | A | A | A | A | A | A | A |  |
| 305092352 | A | A | A | A | A | A | A | A |  |
| 305092324 | A | A | A | A | A | A | A | A |  |
| 305092303 | A | A | A | A | A | A | A | A |  |
| 305092360 | A | A | A | A | A | A | A | A |  |
| 305092348 | A | C | A | C | A | A | A | A |  |
| 305092336 | A | A | A | A | A | A | A | A |  |
| 305092318 | A | A | A | A | A | A | A | A |  |
| 305092302 | A | A | A | A | A | A | A | A |  |
| 305092332 | A | A | A | A | A | A | A | A |  |
| 305092359 | A | A | A | A | A | A | A | A |  |
| 305092347 | A | C | A | C | A | A | A | A |  |
| 305092337 | A | A | A | A | A | A | A | A |  |
| 305092320 | A | A | A | A | A | A | A | A |  |
| 305092313 | A | A | A | A | A | A | A | A |  |
| 305092309 | A | A | A | A | A | A | A | A |  |
| 305092361 | A | A | A | A | A | A | A | A |  |
| 305092349 | C | A | A | C | A | A | A | A |  |
| 305092319 | A | A | A | A | A | A | A | A |  |
| 305092301 | A | A | A | A | A | A | A | A |  |
| 305092333 | A | A | A | A | A | A | A | A |  |
| 305092344 | A | A | A | A | A | A | A | A |  |
| 305092326 | A | A | A | A | A | A | A | A |  |
| 305092314 | A | A | A | A | A | A | A | A |  |
| 305092304 | A | A | A | A | A | A | A | A |  |
| 305092363 | A | A | A | A | A | A | A | A |  |
| 305092350 | A | B | A | B | A | B | A | B |  |
| 305092307 | A | A | A | A | A | A | A | A |  |
| 305092364 | A | A | A | A | A | A | A | A |  |
| 305092355 | A | A | A | A | A | A | A | A |  |
| 305092346 | A | A | A | A | A | A | A | A |  |
| 305092327 | A | A | A | A | A | A | A | A |  |
| 305092315 | A | B | A | B | A | B | A | B |  |
| 305092310 | A | A | A | A | A | A | A | A |  |
| 305092330 | A | A | A | A | A | A | A | A |  |
| 305092356 | A | A | A | A | A | A | A | A |  |
| 305092343 | B | A | A | B | B | A | A | B |  |
| 305092323 | A | A | A | A | A | A | A | A |  |
| 305092305 | A | A | A | A | A | A | A | A |  |
| 305092331 | A | A | A | A | A | A | A | A |  |
| 305092354 | A | A | A | A | A | A | A | A |  |
| 305092341 | A | A | A | A | A | A | A | A |  |
| 305092306 | A | A | A | A | A | A | A | A |  |
| 305092334 | A | A | A | A | A | A | A | A |  |
| 305092358 | A | A | A | A | A | A | A | A |  |
| 305092345 | A | A | A | A | A | A | A | A |  |
| 305092325 | A | A | A | A | A | A | A | A |  |
| 305092311 | A | A | A | A | A | A | A | A |  |
| 305092308 | A | C | A | C | A | A | A | A |  |
| 305092329 | A | C | A | C | A | B | A | B |  |
| 305092351 | A | A | A | A | A | A | A | A |  |
| 305092335 | A | A | A | A | A | A | A | A |  |
| 305092317 | A | A | A | A | A | A | A | A |  |
| 305092328 | A | A | A | A | A | A | A | A |  |
| 305092357 | C | A | A | C | B | A | A | B |  |
| 305092340 | A | A | A | A | A | A | A | A |  |
| 305092322 | A | A | A | A | A | A | A | A |  |
| 305092312 | A | A | A | A | A | A | A | A |  |
| 305092353 | A | C | A | C | A | A | A | A |  |
| 305092299 | A | C | A | C | A | A | A | A |  |

---

## Exhibit 99.5

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 304871565 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| 304860652 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304862173 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304856883 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304877984 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304869213 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304876549 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| 304888300 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304891111 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
| 304896838 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304846860 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304866980 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304862184 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| 304860645 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304828368 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304818197 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304856860 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| 304868776 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304875231 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 305047886 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 305053575 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 305034546 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.120% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.90 |
| 305055201 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.160% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305057740 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060988 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305053458 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.680% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305037899 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 305042066 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 305037148 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| 305064378 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 305064373 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.230% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 305064361 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 305064376 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064364 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 305063841 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 305064372 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 305061234 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 305064371 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.160% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.10 |
| 305064367 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 305064365 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305060986 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 305088541 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| 305088543 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.30 |
| 305088545 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 305088562 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.70 |
| 305088551 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| 305088560 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 305088546 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.480% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| 305088547 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| 305088556 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.380% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| 305088565 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 305088567 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| 305088564 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.680% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 305088542 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.20 |
| 305088563 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305088552 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.80 |
| 305088557 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.20 |
| 305088549 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305088568 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| 305088544 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
| 305088539 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 305088561 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.210% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.50 |
| 305088548 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.040% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 305088558 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.830% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 5.00 |
| 305088540 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| 305088550 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.440% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.80 |
| 305088554 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305088559 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 305088566 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 305088553 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 305092362 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.80 |
| 305092352 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| 305092324 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| 305092303 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 305092360 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 305092348 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.30 |
| 305092336 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 305092318 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 305092302 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.00 |
| 305092332 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.20 |
| 305092359 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| 305092347 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.20 |
| 305092337 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 305092320 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305092313 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 305092309 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.140% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.70 |
| 305092361 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| 305092349 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.440% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 305092319 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 305092301 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.40 |
| 305092333 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.00 |
| 305092344 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.50 |
| 305092326 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.30 |
| 305092314 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.60 |
| 305092304 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.90 |
| 305092363 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 305092350 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.520% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.00 |
| 305092307 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.610% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.90 |
| 305092364 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305092355 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.80 |
| 305092346 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305092327 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.90 |
| 305092315 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.70 |
| 305092310 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| 305092330 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| 305092356 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| 305092343 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 305092323 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| 305092305 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| 305092331 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 305092354 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.90 |
| 305092341 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.370% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 5.00 |
| 305092306 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.30 |
| 305092334 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.60 |
| 305092358 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| 305092345 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 305092325 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305092311 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.380% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
| 305092308 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.70 |
| 305092329 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.30 |
| 305092351 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| 305092335 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.20 |
| 305092317 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.30 |
| 305092328 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 305092357 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 305092340 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.70 |
| 305092322 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
| 305092312 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| 305092353 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 305092299 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |

---

## Exhibit 99.6

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.6**

![](ex996001.jpg)

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association through a bulk purchase. The review included a total of twenty residential mortgage loans, in connection with the securitization identified as JPMMT 2026-3 (the "Securitization"). The Review was conducted in November 2025 and February 2026 on mortgage loans originated between November 2025 and January 2026.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

○ The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (20 loans in total):

Eight (8) loans had a Desktop Review, and one (1) loan had an AVM. Consolidated Analytics has independent access to the Desktop Review ordered by the Aggregator.

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

There were zero (0) occurrences of this.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the twenty (20) mortgage loans reviewed, sixteen (16) unique mortgage loans (80.00% by loan count) had a total of twenty-eight (28) tape discrepancies across nine (9) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy** <br> **Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;11 | &nbsp;&nbsp;39.29% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;17.86% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;17.86% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |  |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal <br> Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;16 | &nbsp;&nbsp;$23628014.00 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;4 | &nbsp;&nbsp;$3725250.00 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;20 | &nbsp;&nbsp;$27353264.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |  |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |  |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |  |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |  |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |  |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;16 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;4 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |

---

 **Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception <br> Type | &nbsp;&nbsp;Exception <br> Level <br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Partially Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Mortgage Insurance Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Photo Identification not provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 IRS Transcripts Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Taxpayer First Act Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Photo Identification not provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Mortgage Insurance Cert Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**25** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;RESPA Homeownership Counseling Organizations Disclosure Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Lending Policy Points and Fees Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**22** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**20** |

---

**Event Grade Definitions**

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

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

---

---

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

---

## Exhibit 99.7

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.7**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 304876069 | XXXXX |  | Borrower 1 FTHB | XXX | XXX |  |
| 304898230 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Client do have some self employment income |
| 304898230 | XXXXX |  | Borrower 2 Self-Employment Flag | XXX | XXX | Per 1003 |
| 304891083 | XXXXX |  | Interest Rate | XXX | XXX | Verified XXX using the note |
| 305028429 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | True data is correct, per note |
| 305034570 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | Confirmed the XXX as per the Note |
| 305023989 | XXXXX |  | Property County | XXX | XXX | Verified county per appraisal and taxes |
| 304897102 | XXXXX |  | Qualifying CLTV | XXX | XXX | Verified by the appraisal and note |
| 304905134 | XXXXX |  | Qualifying CLTV | XXX | XXX | Difference is rounding. |
| 304891083 | XXXXX |  | Qualifying CLTV | XXX | XXX | Verified CLTV matches AUS and XXX |
| 304875276 | XXXXX |  | Qualifying CLTV | XXX | XXX | Rounding |
| 304876069 | XXXXX |  | Qualifying CLTV | XXX | XXX | XXX- sales Price-$XXX/XXX-$XXX=XXX |
| 304897102 | XXXXX |  | Qualifying LTV | XXX | XXX | Verified by the appraisal and note |
| 304905134 | XXXXX |  | Qualifying LTV | XXX | XXX | Difference is rounding. |
| 304891083 | XXXXX |  | Qualifying LTV | XXX | XXX | Verified LTV matches AUS and XXX |
| 304875276 | XXXXX |  | Qualifying LTV | XXX | XXX | Rounding |
| 304876069 | XXXXX |  | Qualifying LTV | XXX | XXX | XXX- sales Price-$XXX/XXX-$XXX=XXX |
| 304891083 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified DTI matches AUS and XXX |
| 304904285 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI confirmed using XXX and AUS. |
| 305026592 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income/assets. Confirmed with XXX/AUS |
| 305028429 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is XXX% per audit review. Missing evidence of taxes and insurance on REO properties |
| 305023989 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Matches LPA |
| 304840172 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI is XXX% and matches the Lender as per the XXX LP rounds up to XXX% |
| 305036778 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI at XXX is correct as per calculated income and total debts. Difference in DTI is due to a XXX CC (#XXX) with a monthly payment of XXX as per CR, however lender did not include in calculations on XXX and AUS. |
| 304871606 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI of XXX% matches the lender DTI as per the DU/XXX |
| 305034570 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI of XXX% matches the lender DTI as per the XXX/DU |
| 305038705 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Variance due to HOA on departing residence. |
| 305042677 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | There is a slight difference of XXX for the note P&I payment. Lender on XXX and AUS shows XXX while the note, Final 1003 and final CD shows a P&I payment of $XXX. This has caused a slight difference in the DTI of.XXX%. However, this is apparent but the difference between XXX% and XXX% is not correct, as all income and debts have been verified. |

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## Exhibit 99.8

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.8**

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **Customer Loan ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
| XXX | XXXXX | 304897102 | FCOM3849 | 12/18/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date. Documentation in file verifies appraisal delivered to Borrowers on XX/XX/XXXX with consummation date of XX/XX/XXXX. Appraisal delivery waiver can also clear exception. | Appraisal Disclosure; Appraisal Acknowledgement; Proof appraisal sent to borrower | Evidence of appraisal delivery provided.; Exception remains. Appraisal acknowledgement provided but without a appraisal timing waiver disclosure executed by the borrower prior to consummation, unable to resolve the exception. ; Documentation in file verifies appraisal delivered to Borrowers on XX/XX/XXXX with consummation date of XX/XX/XXXX. provide documentation to show the borrower waived their right to receive the appraisal at least XXX days prior to consummation; Documentation in file verifies appraisal delivered to Borrowers on XX/XX/XXXX with consummation date of XX/XX/XXXX. provide documentation to show the borrower waived their right to receive the appraisal at least XXX days prior to consummation | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.38% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.38% is less than Guideline CLTV of 89.99% | Resolved | 12/18/2025 | B A |
| XXX | XXXXX | 304897102 | FCRE1182 | 12/04/2025 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Lender approval or underwriting summary is missing. | Underwriting Approval Form | Documentation is sufficient. Approval provided. Exception resolved.; Approval/Underwriting Summary is fully present | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.38% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.38% is less than Guideline CLTV of 89.99% | Resolved | 12/04/2025 | B A |
| XXX | XXXXX | 304897102 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.38% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.38% is less than Guideline CLTV of 89.99% | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304869259 | FCRE8999 | 11/26/2025 | Credit | Data | No Credit Findings | No credit findings The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304869259 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304869259 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304905134 | FCRE0377 | 12/04/2025 | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard insurance coverage amount is not sufficient to cover XXX. | XX/XX/XXXX XXX: Please see attached copy of the HOI showing the dwelling is XXX with a checklist of coverage (RCE) of XXX With the RCE amount this file does have sufficient dwelling coverage | Documentation is sufficient. Policy in file is adequate. Exception rescinded.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount |  | Rescinded |  | A |
| XXX | XXXXX | 304905134 | FCOM8997 | 12/02/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304905134 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304894652 | FCOM8997 | 12/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304894652 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304894652 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304891083 | FCOM1233 | 12/11/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing Final 1003 for B1 | Document Uploaded. | The Final 1003 is Present; 1003 provided | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.67% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.67% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/11/2025 | D A |
| XXX | XXXXX | 304891083 | FCOM8997 | 12/01/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML Compliant; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.67% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.67% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304891083 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML Compliant; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.67% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.67% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304891083 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML Compliant; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.67% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.67% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304898230 | finding-4038 | 12/22/2025 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The XXX is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe XXX is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX. Documentation required: Provide par rate utilized. According to Lock Confirmation dated XX/XX/XXXX at XX/XX/XXXX the par rate was XXX. | XXX XX/XX/XXXX: See attached passing QM test results. The difference between the APR vs APOR is XXX%. The price of the undiscounted rate is XXX there is no charge for undiscounted (also known as PAR) rate. \| \| XXX - XXX = XXX / XXX = XXX% | Seller concession itemization provided; exception resolved; Seller concession itemization provided; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | C A |
| XXX | XXXXX | 304898230 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304898230 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304875276 | FCRE7497 | 12/23/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide MISSING MORTGAGE Statement for XXX property to validate mortgage and to determine if escrowed. | XX/XX/XXXX XXX: Please see attached mortgage Statement | Verification of PITIA provided. Condition cleared. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/23/2025 | D A |
| XXX | XXXXX | 304875276 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304875276 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304896745 | finding-3367 | 01/13/2026 | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Need clarification on application date, multiple locks have XX/XX/XXXX and the initial application has XX/XX/XXXX. If the application date is XX/XX/XXXX, provide the Homeownership Counseling disclosure dated within XXX business days and proof sent to the borrower. | XXX XX/XX/XXXX The Broker did not receive the contract until XX/XX/XXXX making the XX/XX/XXXX a valid application date. Please see attached screenshot of the email they received the contract on XXX XXX.; XXX XX/XX/XXXX Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information.; XXX XX/XX/XXXX The initial Loan application is from XX/XX/XXXX. | Lender confirmed the application date of XX/XX/XXXX; exception resolved; Lender confirmed the application date of XX/XX/XXXX; exception resolved; Please confirm/provide the date all XXX piece of information were received to be considered a valid application. The response indicated it was not disclosed until XX/XX/XXXX due to not having all XXX pieces of information, but that doesnt confirm the date a complete application with all XXX pieces were received by the lender ; Borrower signature on a application is not considered the indication for the application date; The lock documentation indicates an application date of XX/XX/XXXX; Please confirm the date all XXX pieces of information were received to constitute a complete application. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | B A |
| XXX | XXXXX | 304896745 | finding-3634 | 01/13/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Need clarification on application date, multiple locks have XX/XX/XXXX and the initial application has XX/XX/XXXX. If the application date is XX/XX/XXXX, the initial Loan Estimate and proof of delivery dated within XXX business days of XX/XX/XXXX is required. Further TRID review to be completed once confirmed. | XXX XX/XX/XXXX The Broker did not receive the contract until XX/XX/XXXX making the XX/XX/XXXX a valid application date. Please see attached screenshot of the email they received the contract on XXX XXX.; XXX XX/XX/XXXX Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the import date as the Application date which is incorrect.; XXX XX/XX/XXXX The initial Loan application date is XX/XX/XXXX. | Lender confirmed the application date of XX/XX/XXXX; exception resolved; Lender confirmed the application date of XX/XX/XXXX; exception resolved; Please confirm/provide the date all XXX piece of information were received to be considered a valid application. The response indicated it was not disclosed until XX/XX/XXXX due to not having all XXX pieces of information, but that doesnt confirm the date a complete application with all XXX pieces were received by the lender ; Borrower signature on a application is not considered the indication for the application date; The lock documentation indicates an application date of XX/XX/XXXX; Please confirm the date all XXX pieces of information were received to constitute a complete application. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | C A |
| XXX | XXXXX | 304896745 | finding-3635 | 01/13/2026 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Need clarification on application date, multiple locks have XX/XX/XXXX and the initial application has XX/XX/XXXX. If the application date is XX/XX/XXXX, the initial Loan Estimate and proof of delivery dated within XXX business days of XX/XX/XXXX is required. Further TRID review to be completed once confirmed. | XXX XX/XX/XXXX The Broker did not receive the contract until XX/XX/XXXX making the XX/XX/XXXX a valid application date. Please see attached screenshot of the email they received the contract on XXX XXX.; XXX XX/XX/XXXX Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the import date as the Application date which is incorrect.; XXX XX/XX/XXXX The initial Loan application date is XX/XX/XXXX. | Lender confirmed the application date of XX/XX/XXXX; exception resolved; Lender confirmed the application date of XX/XX/XXXX; exception resolved; Please confirm/provide the date all XXX piece of information were received to be considered a valid application. The response indicated it was not disclosed until XX/XX/XXXX due to not having all XXX pieces of information, but that doesnt confirm the date a complete application with all XXX pieces were received by the lender ; Borrower signature on a application is not considered the indication for the application date; The lock documentation indicates an application date of XX/XX/XXXX; Please confirm the date all XXX pieces of information were received to constitute a complete application. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | C A |
| XXX | XXXXX | 304896745 | finding-3515 | 01/13/2026 | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Need clarification on application date, multiple locks have XX/XX/XXXX and the initial application has XX/XX/XXXX. If the application date is XX/XX/XXXX, the initial Loan Estimate and proof of delivery dated within XXX business days of XX/XX/XXXX is required. Further TRID review to be completed once confirmed. | XXX XX/XX/XXXX The Broker did not receive the contract until XX/XX/XXXX making the XX/XX/XXXX a valid application date. Please see attached screenshot of the email they received the contract on XXX XXX.; XXX XX/XX/XXXX Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the import date as the Application date which is incorrect.; XXX XX/XX/XXXX The initial Loan application date is XX/XX/XXXX. | Lender confirmed the application date of XX/XX/XXXX; exception resolved; Lender confirmed the application date of XX/XX/XXXX; exception resolved; Please confirm/provide the date all XXX piece of information were received to be considered a valid application. The response indicated it was not disclosed until XX/XX/XXXX due to not having all XXX pieces of information, but that doesnt confirm the date a complete application with all XXX pieces were received by the lender ; Borrower signature on a application is not considered the indication for the application date; The lock documentation indicates an application date of XX/XX/XXXX; Please confirm the date all XXX pieces of information were received to constitute a complete application. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | C A |
| XXX | XXXXX | 304896745 | FCRE8999 | 12/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304896745 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304904285 | FCRE1335 | 12/22/2025 | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing | Document Uploaded. uploading | Borrower 1 IRS Transcripts Provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | D A |
| XXX | XXXXX | 304904285 | FCRE5393 | 12/15/2025 | Credit | Insurance | Mortgage Insurance Defect | Provide updated AUS, XXX URLA and closing documents removing mortgage Insurance. | Document Uploaded. Closing instructions, XXX lox, proof of delivery; PER LENDER: Inquiry from seller - Does XXX need the borrowers to sign the post-consummation corrected docs (URLA, CD, payment letter, IEAD)? And if so, this file had B1 sign on behalf of B2 as poa, would the PC docs need to be signed the same way or can B2 sign them for herself since these are electronic signatures after closing? | 1003, XXX pccd provided removing MI. Proof of delivery provided. ; Documents do not need signatures, however proof of delivery to borrower is required. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/15/2025 | C A |
| XXX | XXXXX | 304904285 | FCOM3849 | 12/10/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation. | Document Uploaded. Appraisal delivery tracking/Lender email response uploaded | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | B A |
| XXX | XXXXX | 304904285 | FCRE1130 | 12/09/2025 | Credit | Missing Doc | Mortgage Insurance Cert Missing | Mortgage Insurance is Present but Mortgage Insurance Cert is missing LTV is more than XXX% and also Mortgage Insurance Premium is listed on Final 1003, but Mortgage Insurance Cert is missing in the file. |  | ; Mortgage Insurance is Present and Mortgage Insurance Cert has been provided or Mortgage Insurance is not Present |  | Rescinded |  | A |
| XXX | XXXXX | 304904285 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304876069 | FCOM8997 | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304876069 | FCRE8999 | 12/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304876069 | FPRO8998 | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 305024769 | FCRE7497 | 01/14/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide Mortgage Statement, tax cert and HOI for primary resident | Requested docs previously provided in original submission | Verification of PITIA provided. Condition cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/14/2026 | D A |
| XXX | XXXXX | 305024769 | FCOM8997 | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 305024769 | FPRO8998 | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 305026592 | FCRE1201 | 12/24/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Fraud report | Document Uploaded. Fraud report | Third Party Fraud Report is provided; Received fraud report | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2025 | D A |
| XXX | XXXXX | 305026592 | FCOM8997 | 12/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 305026592 | FPRO8998 | 12/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 305028429 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Investor acknowledges exception; Informational Only; Investor Acknowledges exception; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305028429 | FCRE0386 | 01/07/2026 | Credit | Missing Doc - Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | Document Uploaded. DL | Photo Identification provided.; Client provided Borrower Driver's License. Cleared. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/07/2026 | D A |
| XXX | XXXXX | 305028429 | FCRE0387 | 01/07/2026 | Credit | Missing Doc - Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. | Document Uploaded. DL | Photo Identification provided.; Client provided Borrower Driver's License. Cleared. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/07/2026 | D A |
| XXX | XXXXX | 305028429 | FCOM3592 | 01/07/2026 | Credit | Missing Doc | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. | Document Uploaded. Taxpayer disclosure act | Taxpayer First Act Disclosure is provided; Client provided Taxpayer First Act Disclosure signed by both Borrowers. Cleared. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/07/2026 | B A |
| XXX | XXXXX | 305028429 | finding-3532 | 01/06/2026 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception. The initial CD is missing from the loan file. The earliest CD in the loan file was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the borrowers XXX business days prior to consummation on XX/XX/XXXX. Additional conditions may apply. | Document Uploaded. Initial CD uploaded | Initial CD provided; exception resolved; Initial CD provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/06/2026 | C A |
| XXX | XXXXX | 305028429 | FCOM3849 | 01/06/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Document Uploaded. Appraisal delivery uploaded | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/06/2026 | B A |
| XXX | XXXXX | 305028429 | FCOM9186 | 01/06/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. Esign consent | Evidence of eConsent is provided. The eSigned documents consent is missing. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/06/2026 | B A |
| XXX | XXXXX | 305028429 | FCOM5135 | 12/31/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. |  | Investor Acknowledges exception | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No B |
| XXX | XXXXX | 305023989 | FCRE8999 | 01/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.29% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.29% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305023989 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.29% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.29% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305023989 | FCOM8997 | 01/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.29% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.29% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 304840172 | FPRO8998 | 01/27/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.28% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 40.28% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/27/2026 | A |
| XXX | XXXXX | 304840172 | FCOM8997 | 01/27/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.28% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 40.28% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/27/2026 | A |
| XXX | XXXXX | 304840172 | FCRE8999 | 01/27/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.28% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 40.28% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/27/2026 | A |
| XXX | XXXXX | 305036778 | FCOM5135 | 01/28/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing |  | Investor acknowledges exception. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.05% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.05% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
| XXX | XXXXX | 305036778 | FCRE8999 | 01/28/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.05% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.05% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2026 | A |
| XXX | XXXXX | 305036778 | FPRO8998 | 01/28/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.05% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.05% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2026 | A |
| XXX | XXXXX | 304871606 | FCOM5135 | 01/28/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing |  | Investor acknowledges exception. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No B |
| XXX | XXXXX | 304871606 | FPRO8998 | 01/28/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2026 | A |
| XXX | XXXXX | 304871606 | FCRE8999 | 01/28/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2026 | A |
| XXX | XXXXX | 305034570 | FCRE1185 | 02/04/2026 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided AUS risk due to lender credits exceed the total of closing costs. The only risk allowed on AUS is balance of loan. | Document Uploaded. Updated LP CERT | AUS is not incomplete; Client provided updated LP dated XX/XX/XXXX which does not reflect lender credits exceed the total of closing costs. LM Updated.; AUS Partially Provided AUS risk due to lender credits exceed the total of closing costs. The only risk allowed on AUS is balance of loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.79% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.79% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2026 | D A |
| XXX | XXXXX | 305034570 | FPRO8998 | 01/29/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.79% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.79% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305034570 | FCOM8997 | 01/29/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.79% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.79% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305038705 | finding-3532 | 02/18/2026 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. Additional conditions may apply. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. CD and tracking | initial CD provided; exception resolved; initial CD provided; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/18/2026 | C A |
| XXX | XXXXX | 305038705 | FCRE8999 | 01/30/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2026 | A |
| XXX | XXXXX | 305038705 | FPRO8998 | 01/30/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2026 | A |
| XXX | XXXXX | 305042677 | FCOM5135 | 02/12/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Please acknowledge exception as non material | Please acknowledge exception as non material. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
| XXX | XXXXX | 305042677 | FCRE1185 | 02/12/2026 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided AUS and XXX Transmittal Summary reflects a XXX as XXX the Note is for the amount of XXX | Document Uploaded. updated AUS | AUS is not incomplete; Client provided updated DU dated XX/XX/XXXX reflecting the XXX of XXX LM Updated.; AUS Partially Provided AUS and XXX Transmittal Summary reflects a XXX as XXX while the Note is for the amount of XXX | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/12/2026 | D A |
| XXX | XXXXX | 305042677 | FPRO8998 | 02/04/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2026 | A |

---

## Exhibit 99.9

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.9**

---

| | | | |
|:---|:---|:---|:---|
| **Customer Loan ID** | **Seller Loan ID** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 304897102 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304869259 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304905134 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304894652 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304891083 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304898230 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304875276 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304896745 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304904285 | XXXXX D A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304876069 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305024769 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305026592 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305028429 | XXXXX D B A C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305023989 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304840172 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305036778 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304871606 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305034570 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305038705 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305042677 | XXXXX D B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |

---

## Exhibit 99.10

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 304897102 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 79.38 | 79.38 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304869259 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 84.47 | 84.47 | XXX | XXX | -.0498 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0498 | 90.0 | 0.1 | XXX | ClearAVM | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304905134 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304894652 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304891083 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 58.67 | 58.67 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 304898230 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 304875276 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 304896745 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304904285 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 81.36 | 81.36 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 304876069 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 305024769 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 305026592 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305028429 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 305023989 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 63.29 | 63.29 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 304840172 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 40.28 | 40.28 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 305036778 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 63.05 | 63.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871606 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 72.96 | 72.96 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 305034570 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 61.79 | 61.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305038705 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0237 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 305042677 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.79 | 75.79 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |

---

## Exhibit 99.11

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.11**

Executive Summary

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

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

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loan reviewed was originated in November 2025 and was secured by residential real estate. The loan was acquired by JPMorgan Chase Bank, National Association (the "Client") from a lender and/or aggregator (in such capacity, the "Seller") through either a bulk acquisition or reliance letter. The information provided below reflects the approach and methodology applied at the time of the Seller's original acquisition. The loan was acquired by the Seller through a delegated correspondent channel.

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

This report reflects 1 Loan selected by the Client to include in JPMMT 2026-3 (the "Securitization"). Client did not disclose to IB if additional loans are included in the Securitization. While the Client may have included additional loans in the Securitization, such loans were not subject to the Review referenced herein. IB reviewed 100% of the Loans provided by the Client and can only assume the sample size was 100%.

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

The Client, in its sole discretion, determined the Loans to be reviewed by IB. As noted in Section 2 above, Client provided IB with 1 Loan, which was reviewed by IB. Therefore, IB used no sampling methodology in its Review.

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

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

---

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

---

Inglet Blair, LLC Deal Summary

JPMMT 2026-3

pg. 1

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

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

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

- Debt to Income ("DTI")

- Debt Service Coverage Ratio ("DSCR")

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

- Lien Position

- Gross Income

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

- Assets and Reserves

- Monthly debt service

- Residual Income

- Occupancy

- Property Type

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

Employment and Income:

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

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

- Ensure borrower(s) is/are currently employed

Assets

- Confirm asset source and documentation requirements

- Re-calculate gross, net and liquid asset balances

- Incorporate gift funds and sourcing documentation

- Confirm and calculate reserve calculations

Credit Report

- Determine representative Credit Score and Methodology

- Number of tradelines

Maximum amount of open tradelines

- Mortgage/Rental payment history

- Installment and Revolving payment history

- Bankruptcy and Foreclosure seasoning

- OFAC Alert(s)

Inglet Blair, LLC Deal Summary

JPMMT 2026-3

pg. 2

Credit Application (FNMA Form 1003)

- Substantially complete

- Employer and employment status

- Confirmation of loan purpose and occupancy

- Disposition and status of Real Estate Owned (REO)

- First time home buyer status

- Citizenship and eligibility

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

- Vestee(s)

- Title interest – Fee Simple or Leasehold

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Inglet Blair, LLC Deal Summary

JPMMT 2026-3

pg. 3

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

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

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

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

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

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

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

The Loan was deemed to be a consumer purpose loan and was submitted to an automated regulatory compliance review the "TRID Review". The system tested the Loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending.

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

- Federal Truth in Lending Act– Regulation Z

○ Consumer Handbook on Adjustable Rate Mortgages (1026.19(b)(1))

● Confirm acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

○ Your Home Loan Toolkit (1026.19(g)(1))

● Confirm acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

● Provided within 3 business days of application

○ Federal High-cost (1026.32)

● Identify points and fees and/or APR threshold test failures

● Prepayment Penalty restrictions

○ Higher-priced Mortgage Loans (1026.35)

● APR Threshold with the corresponding appraisal and escrow requirements

○ Right of Rescission (1026.23)

● Review accuracy, timing and content of disclosure(s)

● Confirm all requisite consumers received notice and correct form

○ Qualified Mortgage Rule (1026.43(e))

● Perform points and fees test to confirm 3% threshold

● Adherence to Appendix Q and DTI below 43% or Temp QM

● Application Dates of 1/10/2014 to 2/28/2021

● Adherence to Appendix Q and DTI below 43% and/or Temp QM and/or APR/APOR threshold testing

● Application Dates of 3/1/2021 to 6/30/2021

● Adherence to Appendix Q and DTI below 43% and/or APR/APOR threshold testing

● Application Dates of 7/1/2021 to 9/30/2022

● APR/APOR threshold testing

● Application Dates on or after 10/1/2022\*

○ Subject to any guidance updates from regulators

● Loan does not contain "risky feature" (IO, Negative Amortization, etc.)

● Contain a valid and approved AUS, as applicable

Inglet Blair, LLC Deal Summary

JPMMT 2026-3

pg. 4

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

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

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

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

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

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

● (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 in accordance with paragraph (c)(7) of this section; and

● (viii) The consumer's credit history.

○ TRID (1026.36, 37)

○ Loan Estimate ("LE")

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

● Provided within three (3) business days of a valid Change of Circumstance

● Complete in all material respects

● Contains NMLS ID

● Confirm the "In 5 Years" calculation is not over disclosed

○ Final Closing Disclosure ("CD")

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

● Ensure technical requirements are met – Rounding, Alphabetization, Number of Fees per category and title fees properly labeled

● Recalculation of the Finance Charge, Amount Financed, Total of Payments ("TOP"), and Total Interest Payments ("TIP")

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

● Adjustable Interest Rate and Adjustable Payment Tables are present, complete and accurate, if applicable

● No fee charged for preparation of LE or CD

● Fee descriptions conform with clear and conspicuous standard

● Loan terms match that of the subject loan – balance, rate, term, prepayment penalty

● Loan Disclosures section is complete – Late Payment matches the note and the escrow section is consistent within the disclosure

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

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

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

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

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

● Categorization of fees in the appropriate section

● Accuracy of information for fields not expressly stated above

● Presence and accuracy of the Seller's Transaction columns on the Seller's columns

○ State High-cost and Predatory lending regulations

Inglet Blair, LLC Deal Summary

JPMMT 2026-3

pg. 5

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

○ RESPA disclosures

● Confirm GFE and HUD-1

● Special Information Booklet

● Notice of Servicing Transfer

● Affiliated Business Arrangement Disclosure

● Homeownership Counseling Disclosures

○ Equal Credit Opportunity Act

● Presence, acknowledgement and timing of the Right to Receive Copy of Appraisal Disclosure

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**TRID Tested** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Yes | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100%** |

---

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

There was no other review performed.

Inglet Blair, LLC Deal Summary

JPMMT 2026-3

pg. 6

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Final Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Credit Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Compliance Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Property Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100%** |

---

The following tables represent certain key attributes of the Loan and its frequency amongst the loan population.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Fixed Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;1st | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary

JPMMT 2026-3

pg. 7

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100%** |

---

---

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

---

Inglet Blair, LLC Deal Summary

JPMMT 2026-3

pg. 8

## Exhibit 99.12

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.12**

---

| | | | |
|:---|:---|:---|:---|
| Seller Loan ID | JPM Loan ID | Data Field | Discrepancy Comments |
| (redacted) | 304893432 | Total Debt to Income Ratio (redacted) | Variance < (redacted) is non-material (Max Allowed (redacted)). |
| (redacted) | 304893432 | Appraised Value (redacted) | Tape Value is Sales Price. Review Value is the Appraised Value. |

---

## Exhibit 99.13

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Seller Name | JPM Loan ID | Exception ID | Exception ID Date | Condition Category | Condition Standardized Description | Condition ID | Initial Exception Grade | Final Exception Grade | Status | Condition Custom Description | Cleared Date | Compensating Factors | Lender Response | Comments | Loan Status |
| (redacted) | 304893432 (redacted) | 1152176 | 12/02/2025 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 3 | 1 | Closed | E-Sign Disclosure and/or Tracking Documents are not in file. Documents are electronically signed. | 12/05/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages and (redacted) open heloc satisfactorily rated (redacted) months.; |  | 12/05/2025 Finding is cleared with the attached disclosure tracking that reflects the eConsent date. - 12/05/2025 Finding is cleared with the attached disclosure tracking that reflects the eConsent date. | Funded C A |
| (redacted) | 304893432 (redacted) | 1152641 | 12/03/2025 | Credit | Title Policy - Schedule A Exception | TITL 0013 | 3 | 1 | Closed | Missing title supplement or final title policy reflecting the lender, (redacted), as the proposed insured. Title commitment in file reflects (redacted) as the proposed insured. | 01/07/2026 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages and (redacted) open heloc satisfactorily rated (redacted) months.; |  | 01/07/2026 Finding is cleared with the attached copy of the final title policy, insured is (redacted). - 01/07/2026 Finding is cleared with the attached copy of the final title policy, insured is (redacted). | Funded C A |
| (redacted) | 304893432 (redacted) | 1152659 | 12/03/2025 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 3 | 2 | Acknowledged | Missing (redacted) VOE, (redacted). (redacted) is limited owner, (redacted), that is majority owned by spouse. (redacted) cannot be used to verify employment. Note: (redacted) start date is needed to verify retirement vesting as assets were used to satisfy cash to close. |  | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages and (redacted) open heloc satisfactorily rated (redacted) months.; |  | 01/14/2026 EV2/B - Finding is downgraded with the attached post-consummation dated VOE (redacted) confirming active employment status signed by (redacted),(redacted), which is in support of the pre-consummation dated (redacted) confirming active business status for the limited owner, most recent year tax return and corresponding tax transcript, bank statement reflecting payroll deposits, and YTD paystub dated within (redacted) days of closing. (redacted) only required one year tax returns. <br> 01/09/2026 Attached VOE does not contain (redacted) contact information. Finding can be downgraded upon receipt of VOE signed by (redacted) with contact information. Finding can be downgraded upon receipt of the post-consummation dated VOE (redacted) confirming active employment status signed by (redacted), (redacted), which is in support of the pre-consummation dated (redacted) confirming active business status for the limited owner, most recent year tax return and corresponding tax transcript, bank statement reflecting payroll deposits, and YTD paystub dated within (redacted) days of closing. (redacted) only required one year tax returns. <br> 01/07/2026 Co-borrower cannot verify employment for borrower. Verification of active employment status must be verified by 3rd party (e.g. (redacted), (redacted)).<br> 12/09/2025 B1 is limited owner, (redacted), that is majority owned by spouse. Where ownership is less than (redacted), it's treated like (redacted) income Additionally, borrower is employed by a family member requiring third-party verification of employment. | Funded C B |
| (redacted) | 304893432 (redacted) | 1152669 | 12/03/2025 | Credit | Missing CPA Letter | CRED 0138 | 3 | 2 | Acknowledged | Missing (redacted) letter addressing the borrowers relocation from (redacted) to (redacted) and the impact it will have on the business. The self-employment business performs home remodeling and room additions locally to the departing residence. It is unknown if the borrowers intend on moving the operations to (redacted). No market analysis was provided. Or, if the borrowers have employees and management that can continue operating and managing the business in (redacted). The borrowers were qualified using the self-employment business income, thus additional information is required. |  | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages and (redacted) open heloc satisfactorily rated (redacted) months.; |  | 01/07/2026 EV2/B - Investor accepts borrower letter of explanation confirming no negative impact to the business with the relocation as they are already working from home and the business is managed through the home office. NOTE: Refer to (redacted) - (redacted) search reflects Borrower as (redacted) of (redacted) on (redacted) stating, About. (redacted) is a utility contracting company. (redacted) specializes in the installation of smart water meters. The search also reflects the website for the business confirming that (redacted) provides installation services throughout the country, with offices in ten locations.<br> 01/07/2026 Borrowers to address how the business is structured to include number of employees and management that can continue operating and managing the businesses daily operations in (redacted). The business performs home remodeling and room additions locally to the departing residence therefore labor, handling of materials, and acquisition of new business would not be handled from out of state.<br> 12/05/2025 Attached LOE does not address how the construction businesses daily operations and acquisition of new business will be handled. | Funded C B |
| (redacted) | 304893432 (redacted) | 1152671 | 12/03/2025 | Credit | Tax Returns/Transcripts are Insufficient | CRED 0087 | 3 | 1 | Closed | Missing pg (redacted) of the (redacted). Note: Review deducted Other income from (redacted) tax transcript. | 12/05/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages and (redacted) open heloc satisfactorily rated (redacted) months.; |  | 12/05/2025 Finding is cleared with the attached copy of the front page of the business tax return. - 12/05/2025 Finding is cleared with the attached copy of the front page of the business tax return. | Funded C A |
| (redacted) | 304893432 (redacted) | 1152677 | 12/03/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Missing documented HOA liabilities for non-subject REO:<br>(redacted)<br>Note: Bank statement reflects a HOA payment of (redacted), but review is unable to determine which property the HOA is being paid and the frequency of payment due. | 12/09/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages and (redacted) open heloc satisfactorily rated (redacted) months.; |  | 12/09/2025 Finding is cleared with the attached HOA invoice for non-subject property. - 12/09/2025 Finding is cleared with the attached HOA invoice for non-subject property.<br> 12/08/2025 Attached documentation is for the subject property. Missing verification of HOA dues for (redacted).<br> 12/05/2025 Finding is partially cleared with the attached LOE confirming borrower does not pay any HOA fees on non-subject REO, (redacted). Still missing verification of HOA dues for (redacted). | Funded C A |
| (redacted) | 304893432 (redacted) | 1152704 | 12/03/2025 | Credit | Income Documentation is Insufficient | CRED 0082 | 3 | 1 | Closed | Missing (redacted) letter or evidence confirming that the mortgages, notes, bonds payable in less than (redacted) year of (redacted) that is reported on the (redacted) is a line of credit that renews annually. Borrowers do not qualify with the deduction, DTI (redacted). -- Per (redacted), The following items should be subtracted from the business cash flow: the total amount of obligations on mortgages, notes, or bonds that are payable in less than one year. These adjustments are not required for lines of credit or if there is evidence that these obligations roll over regularly and/or the business has sufficient liquid assets to cover them. | 12/08/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages and (redacted) open heloc satisfactorily rated (redacted) months.; |  | 12/08/2025 Finding is cleared. Refer to CRED 0087 - Reporting depreciation offsets the mortgages payable in less than one year. - 12/08/2025 Finding is cleared. Refer to CRED 0087 - Missing tax return page reflects depreciation sufficient to offset the mortgages payable in less than one year. | Funded C A |
| (redacted) | 304893432 (redacted) | 1152714 | 12/03/2025 | Credit | Undisclosed or Excluded Debt | CRED 0086 | 3 | 1 | Closed | Missing LOE for (redacted) payment of (redacted) posted (redacted). | 01/07/2026 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages and (redacted) open heloc satisfactorily rated (redacted) months.; |  | 01/07/2026 Credit report reflects no student loans and reports thru (redacted). TPR confirmed application reflects two college age dependents. Payment posted in (redacted), which is when fall semester typically starts. The payment posted (redacted) indicates (redacted) Student Accounts Receivable payment, not student loan payment. Finding is cleared. - 01/07/2026 Credit report reflects no student loans and reports thru (redacted). TPR confirmed application reflects two college age dependents. Payment posted in August, which is when fall semester typically starts. The payment posted (redacted) indicates (redacted) Student Accounts Receivable payment, not student loan payment. Finding is cleared. | Funded C A |
| (redacted) | 304893432 (redacted) | 1152716 | 12/03/2025 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 1 | Closed | Missing letter of explanation from borrower addressing the self-employment business name, (redacted) not matching to the home remodeling type of business. | 01/07/2026 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages and (redacted) open heloc satisfactorily rated (redacted) months.; |  | 01/07/2026 Attached (redacted) search reflects Borrower as (redacted) of (redacted) on (redacted) stating, About. (redacted) is a utility contracting company. (redacted) specializes in the installation of smart water meters. The search also reflects website for the business confirming that (redacted) provides installation services throughout the country, with offices in ten locations. (redacted) which is the principal address per the TPR pulled (redacted)search. - 01/07/2026 Attached (redacted) search reflects Borrower as (redacted) of (redacted) on (redacted) stating, About. (redacted) is a utility contracting company. (redacted) specializes in the installation of smart water meters. The search also reflects website for the business confirming that (redacted) provides installation services throughout the country, with offices in ten locations. (redacted), which is the principal address per the TPR pulled (redacted) search.<br> 12/09/2025 Refer to online search in file (redacted), (redacted) license is for general engineering and general building contractor. The business category is additions and remodels in (redacted), (redacted), which is where the departing residence is located. Highlights are indicated to be room additions in (redacted), exterior renovation in (redacted), and home additions in (redacted). All of these cities are located in (redacted) county.<br>Missing letter of explanation from borrower addressing the self-employment business name, (redacted), not matching to the home remodeling type of business. | Funded D A |
| (redacted) | 304893432 (redacted) | 1152717 | 12/03/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 3 | 1 | Closed | Missing (redacted) resubmission. Submission (redacted) input (redacted) as self-employed, but the borrowers ownership percentage (redacted). Difference in ownership impacts the required documentation. | 12/09/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages and (redacted) open heloc satisfactorily rated (redacted) months.; |  | 12/09/2025 Agree, (redacted) does not indicate resubmission is required. - 12/09/2025 Agree, (redacted) does not indicate resubmission is required. | Funded C A |
| (redacted) | 304893432 (redacted) | 1179156 | 04/29/2026 | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan Estimate/Closing Disclosure. | TRID 0119 | 3 | 1 | Closed |  | 04/29/2026 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report reflects (redacted) open mortgages and (redacted) open heloc satisfactorily rated (redacted) months.; |  |  | Funded C A |

---

## Exhibit 99.14

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.14**

---

| | | | | |
|:---|:---|:---|:---|:---|
| JPM Loan ID | Initial Overall Event Level | Final Overall Event Level | Originator QM/ATR Status | TPR QM/ATR Status |
| 304893432 (redacted) | 4 | 2 D C A B | 1 | QM (APOR) / Non-HPML (redacted) |

---

## Exhibit 99.15

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** |  |  |  |
| **Seller Loan ID** | **Purchaser Loan ID** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| **Seller Loan ID** | **Purchaser Loan ID** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Second Appraisal Value** | **Second Appraisal Type** | **Second Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **AVM Product Name** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| (redacted) | 304893432 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 2.0 |

---

## Exhibit 99.16

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.16**

**EXECUTIVE SUMMARY**

JPMMT 2026-3

**Overview**

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

The Review was conducted in December 2025 on a mortgage loan (the "Loan") originated in November 2025.

The Review consisted of 100% of the population of 1 loan with an original loan balance of $1,072,000.00.

**Summary of Review**

**Credit Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9916001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9916001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9916001.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) QM
 Safe-Harbor

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Temporary
 QM (for all applications prior to June 30, 2021)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9916001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9916001.jpg)

**Property Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9916001.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence
 confirmed to the extent possible, that the appraiser and the appraisal made by such appraiser
 both satisfied the requirements of Title XI of FIRREA. Specifically, MaxDiligence will
 review the appraisal for conformity to industry standards, including ensuring the appraisal
 was complete, that the comparable properties and adjustments were reasonable and that
 pictures were provided and were accurate.

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

**Compliance Review**

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

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

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

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

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

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

![](ex9916001.jpg)

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

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

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

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

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

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

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

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

Rescission

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

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

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

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

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

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

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

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

![](ex9916001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9916001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9916001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Not applicable.

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

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

- Fannie Mae

- Freddie Mac

- CCM Signature Jumbo AUS Overlays v5.0

- LoanDepot Jumbo Advantage AUS

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

![](ex9916001.jpg)

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;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% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage 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% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;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% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;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% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Exception Category Summary**

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

![](ex9916001.jpg)

---

| | | |
|:---|:---|:---|
| **Exception Type** | **Exception Category** | **Total** |
| Credit | Fraud Report Shows Uncleared Alerts | 1 |
| Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | 1 |
|  | ***Total Credit Grade (A) Exceptions*** | ***2*** |
| Property A | Value - Value is supported within -10% of original appraisal amount | 1 |
|  | ***Total Property Grade (A) Exceptions*** | ***1*** |

---

![](ex9916001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| Compliance | A | Federal - Closing Disclosure and Consummation Date | 1 |
| Compliance | A | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | 1 |
|  |  | ***Total Compliance Grade (A) Exceptions*** | ***2*** |

---

![](ex9916001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

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

Of the 1 Loan reviewed, 0 unique Loans (by loan count) had a total of 0 different tape discrepancies across the data fields (some Loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

**Event Grade Definitions**

---

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

---

---

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

---

![](ex9916001.jpg)

---

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

---

---

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

---

## Exhibit 99.17

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.17**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| xxxxx | 304905038 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 6433033 | 1 of 6 | xx/xx/xxxx | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. <br>|  | Please see attached HOI with RCE that confirms RCE value $xxxxx Coverage $xxxxx - 12/08/2025 | RCE Provided. HOI Coverage exceeds the RCE value. Condition resolved. - 12/09/2025<br> Coverage Amount - Hazard Insurance of xxxxxis equal to or greater than Required Coverage Amount of xxxxx - 12/09/2025<br> Please see attached HOI with RCE that confirms RCE value xxxxx Coverage xxxxx - 12/08/2025 |  | 2025-12-09 22:00 | Resolved | 3 | 1 | 3 | 1 |
| xxxxx | 304905038 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 6433555 | 2 of 6 | xx/xx/xxxx | Credit | Audited DTI Exceeds AUS DTI | Audited DTI exceeds AUS DTI. Review DTI of 46.7% exceeds the DU DTI of 45.85%. unable to determine lender's DTI. Please provide an updated AUS with the higher DTI. <br>|  |  | within tolerance - 12/08/2025<br>|  | 2025-12-08 22:48 | Void | 3 |  | 3 | 1 |
| xxxxx | 304905038 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 6433723 | 3 of 6 | xx/xx/xxxx | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. The DRIVE report score is 0 and there ARE UNCLEARED ALERTS: 1) Closer name appears on the high risk watchlist. 2) Appraisal management company and appraisal company have similar names <br>|  | updated Fraud report - 12/08/2025<br>| Cleared DRIVE Report provided. Condition resolved. - 12/09/2025<br>All Fraud Report Alerts have been cleared or None Exist - 12/09/2025<br>updated Fraud report - 12/08/2025<br>|  | 2025-12-09 22:03 | Resolved | 3 | 1 | 3 | 1 |
| xxxxx | 304905038 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 6433727 | 4 of 6 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-12-01 19:42 | Cleared | 1 | 1 | 3 | 1 |
| xxxxx | 304905038 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 6438804 | 5 of 6 | xx/xx/xxxx | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure was provided on (XXXX-XX-XX) via (Other). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (xxxxx). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (xxxxx), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (xxxxx), for consummation to occur on (xxxxx). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial C.D. proof of receipt/signature missing. <br>|  | ICD received 11/15 - 12/08/2025<br>| Received e-sign tracking log - 12/09/2025<br>Resolved - 12/09/2025<br>ICD received 11/15 - 12/08/2025<br>|  | 2025-12-09 15:07 | Resolved | 3 | 1 | 3 | 1 |
| xxxxx | 304905038 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 6438962 | 6 of 6 | xx/xx/xxxx | Compliance | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | A revised Loan Estimate was provided on (xxxxx) via (Other). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (xxxxx). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (xxxxx), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (xxxxx). (12 CFR 1026.19(e)(4)(ii)) Revised Loan Estimate signature/proof of receipt missing. <br>|  | Last LE received 11/13 - 12/08/2025<br>| Received e-sign tracking log - 12/09/2025<br>Last LE received 11/13 - 12/08/2025<br>|  | 2025-12-09 15:08 | Resolved | 3 | 1 | 3 | 1 |

---

## Exhibit 99.18

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.18**

![](maxwell-logo.jpg)

Client xxxxx <br> Transaction xxxxx <br> Date xxxxx

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| xxxxx | 304905038 |  | xx/xx/xxxx | xxxxx | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |

---

## Exhibit 99.19

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.19**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxxxx |  | 304905038 | xx/xx/xxxx | xxxxx | xxxxx | 0 | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 80.0 | 80.0 | xxxxx | xxxxx | xxxxx | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |

---

## Exhibit 99.20

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.20**

---

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

---

## Exhibit 99.21

**Exhibit 99.21**

![](ex9921001.jpg)

JPMMT 2026-3<br>JPMorgan<br>

Opus Capital Markets Consultants, LLC

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

**Executive Narrative**

**May 4, 2026**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**JPMorgan** 

The report summarizes the results of a due diligence review performed on a pool of ninety-one (91) loans, of which were purchased by JPMorgan Chase Bank, National Association, as successor by merger to J.P. Morgan Mortgage Acquisition Corp. ("Customer") from an originator (the "Originator") who is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains ninety-one (91) credit and compliance loans all identified as QM: Average Prime Offer Rate (APOR). There are twenty-one (21) loans eligible for GSE delivery, each were underwritten to the AUS provided in the loan file and were re-underwritten in accordance with the lender guidelines described herein.

**Credit Review**

**Credit Qualification**

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

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

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

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

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

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

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

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

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

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

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

**Document Review**

**Document Review**

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

**a) Collateral Docs**

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

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

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

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

**b) Closing Docs**

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

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

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

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

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

**c) Credit Docs**<br>

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

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

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

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

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

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

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

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

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

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

**Regulatory Compliance**

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining
 any TILA

violations, including a recalculation of disclosed finance charge, proper execution by all required parties, principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the initial Loan Estimate (LE) was delivered within three (3) business days of application
 and

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

seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;

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

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

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

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

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

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

5. Sections
 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
 amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability
 to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages
 (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e)) (including qualified
 mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201
 and 203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.));
 and Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f))
 In accordance with "Ability to Repay and Qualified Mortgage Review" description
 below;

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the loan is in an escrow state, the HUD-1 was considered final as follows:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

2. For
 loans for which applications were received prior to July 1, 2021, if a loan was designated
 as QM and identified as eligible for guarantee, purchase, or insurance by an applicable
 agency as permitted under the QM final rule, Consultant reviews the loan to determine
 whether, based on available information in the loan file the loan satisfied (i), (ii)
 and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System
 output within the file to confirm agency eligibility.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For
 QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether,
 based on available information in the loan file: (i) the loan contains risky loan features
 and terms (e.g. an interest only feature or negative amortization), (ii) the "points
 and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated
 appropriately. Consultant reviews to the applicable consider and verify requirements
 under the QM rule depending on whether the QM was originated under the original general
 QM definition or the revised general QM definition effective March 1, 2021.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 ability to repay portion of the review for non-agency eligible loans only will focus
 on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible
 loans. The Consultant will review the loan file to determine if the creditor verified
 and considered each of the eight factors utilizing reasonably reliable third-party documentation
 at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current
 or reasonably expected income or assets that the consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current
 employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly
 mortgage payment for subject loan using the introductory or fully indexed rate, whichever
 is higher, and monthly, fully amortizing payments that are substantially equal.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts,
 alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly
 debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit
 history

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

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

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

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

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

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

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

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

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

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

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

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

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

● Affiliated Business Disclosure

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

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

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

● Initial Escrow Disclosure Statement

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

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

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

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

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

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

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

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

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

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

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

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

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

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

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

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

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

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

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

Exceptions

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

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

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

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

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

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

**Misrepresentation and Third-Party Review**

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

1) Misrepresentation Review and Valuation Review

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

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

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

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

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

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

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

**Independent Third-Party Values**

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

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the

appropriate authorities

● Property is described as average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments

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

***Valuation Waterfall and Products***

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

● PIW

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

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

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

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

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

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

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

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

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

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

**<u>Seasoned Loan Updated</u>***:*

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

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

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

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

Value Review Disclaimer

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

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

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

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

**Properties in FEMA declared disaster zones.**

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

● No apparent damage to the property

● Property appears to be occupied

**Data Compare**<br>

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

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Address

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● QM Status

**Rating Agency Grading Criteria**<br>

**Fitch Ratings Grading Criteria**

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

**Moody's Investor Services Grading Criteria**

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

**Kroll Bond Rating Agency LLC Grading Criteria**

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

**S&P Global Ratings Grading Criteria**

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

**DBRS Morningstar Grading Criteria**

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

**Opus Grading Criteria**

1) Opus Grading Criteria

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

from time to time shall be determined as follows:<br>

**Opus Credit Grades**<br>

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

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

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

**Opus Property Grades**<br>

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

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

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

**Opus Compliance Grades**<br>

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

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

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

**REDACTED INFORMATION**

● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

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

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

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

**<u>Pool Details</u>**

![](ex9921002.jpg)

**<u>Tape Discrepancies</u>**

![](ex9921003.jpg)

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligors with multiple loans in the pool.

**Property Inspection Waivers**: One (1) loan contained a Property Inspection Waiver (PIW). An AVM was obtained as a secondary product to confirm the value indicated on the PIW. An initial property value grade of a "C" was assigned to the PIW loan. If the secondary product supported the value indicated on the PIW, a final property grade of a "B" was assigned.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |

---

<u>C</u> <u>C</u> <u>C</u> <u>C</u> <u>The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations</u> <br> <u>D</u> <u>D</u> <u>D</u> <u>D</u> <u>The loan file is missing critical documentation required to perform the review</u>

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |

---

C Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines

D The loan file was missing the appraisal and/or other valuations products needed to complete the review

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated May 4, 2026.

![](ex9921004.jpg)

**<u>Loans Reviewed (91)</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;305063856 | &nbsp;&nbsp;305027306 | &nbsp;&nbsp;304904586 | &nbsp;&nbsp;304963607 | &nbsp;&nbsp;305064472 | &nbsp;&nbsp;304874540 |
| &nbsp;&nbsp;304892922 | &nbsp;&nbsp;305064014 | &nbsp;&nbsp;305037563 | &nbsp;&nbsp;305057459 | &nbsp;&nbsp;305053673 | &nbsp;&nbsp;305057612 |
| &nbsp;&nbsp;304889954 | &nbsp;&nbsp;305064478 | &nbsp;&nbsp;305028467 | &nbsp;&nbsp;305051882 | &nbsp;&nbsp;305033726 | &nbsp;&nbsp;305057091 |
| &nbsp;&nbsp;304896351 | &nbsp;&nbsp;305061533 | &nbsp;&nbsp;305027133 | &nbsp;&nbsp;305026149 | &nbsp;&nbsp;305053351 | &nbsp;&nbsp;305042272 |
| &nbsp;&nbsp;305033657 | &nbsp;&nbsp;305053344 | &nbsp;&nbsp;305057672 | &nbsp;&nbsp;305053519 | &nbsp;&nbsp;305028509 | &nbsp;&nbsp;305053728 |
| &nbsp;&nbsp;305039516 | &nbsp;&nbsp;305052050 | &nbsp;&nbsp;305029891 | &nbsp;&nbsp;305053259 | &nbsp;&nbsp;305063616 | &nbsp;&nbsp;305037833 |
| &nbsp;&nbsp;305060967 | &nbsp;&nbsp;305055864 | &nbsp;&nbsp;305050752 | &nbsp;&nbsp;305013383 | &nbsp;&nbsp;304893436 | &nbsp;&nbsp;305054343 |
| &nbsp;&nbsp;305029850 | &nbsp;&nbsp;305059301 | &nbsp;&nbsp;304908675 | &nbsp;&nbsp;305051883 | &nbsp;&nbsp;305029254 | &nbsp;&nbsp;305052049 |
| &nbsp;&nbsp;305060954 | &nbsp;&nbsp;305024070 | &nbsp;&nbsp;304893031 | &nbsp;&nbsp;305056717 | &nbsp;&nbsp;305054904 | &nbsp;&nbsp;305030965 |
| &nbsp;&nbsp;304909882 | &nbsp;&nbsp;305063855 | &nbsp;&nbsp;304911420 | &nbsp;&nbsp;305036766 | &nbsp;&nbsp;305034695 | &nbsp;&nbsp;305054640 |
| &nbsp;&nbsp;305057484 | &nbsp;&nbsp;305053350 | &nbsp;&nbsp;305025064 | &nbsp;&nbsp;305053465 | &nbsp;&nbsp;304993691 | &nbsp;&nbsp;305034564 |
| &nbsp;&nbsp;305064015 | &nbsp;&nbsp;305012714 | &nbsp;&nbsp;305037836 | &nbsp;&nbsp;305042636 | &nbsp;&nbsp;304907312 | &nbsp;&nbsp;305055880 |
| &nbsp;&nbsp;305059596 | &nbsp;&nbsp;305037828 | &nbsp;&nbsp;304893446 | &nbsp;&nbsp;305051152 | &nbsp;&nbsp;305066285 | &nbsp;&nbsp;305057446 |
| &nbsp;&nbsp;305053656 | &nbsp;&nbsp;305028486 | &nbsp;&nbsp;305013540 | &nbsp;&nbsp;305028956 | &nbsp;&nbsp;305036762 | &nbsp;&nbsp;305033613 |
| &nbsp;&nbsp;304897411 | &nbsp;&nbsp;305033606 | &nbsp;&nbsp;304896233 | &nbsp;&nbsp;305060947 | &nbsp;&nbsp;305057089 | &nbsp;&nbsp;305036788 |
| &nbsp;&nbsp;304909524 |  |  |  |  |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.22

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.22**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXXXX | 305027133 | 0448-001 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| XXXXXXX | 305012714 | 0448-001 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| XXXXXXX | 304904586 | 0448-001 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| XXXXXXX | 305039516 | 0448-001 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| XXXXXXX | 305025064 | 0448-001 | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| XXXXXXX | 305037828 | 0448-001 | Borrower 2 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value pulled from documents located in the loan file. |
| XXXXXXX | 305042636 | 0448-001 | Loan Purpose | the1003Page | Refinance | Other | Audit Value Pulled From Final 1003. |
| XXXXXXX | 304892922 | 0448-001 | Loan Type | the1003Page | Conventional | Other | Audit value pulled from documents located in the loan file. |
| XXXXXXX | 304909524 | 0448-001 | Primary Appraised Property Value | propertyValuationPage | $XXXXXX | $XXXXXX | Audit value per 2nd appraisal |
| XXXXXXX | 305037833 | 0448-001 | Primary Appraised Property Value | propertyValuationPage | $XXXXXX | $XXXXXX | Audit Value Pulled From Appraisal. |
| XXXXXXX | 305037563 | 0448-001 | Primary Appraised Property Value | propertyValuationPage | $XXXXXX | $XXXXXX | Audit Value Pulled From Appraisal. |
| XXXXXXX | 305028956 | 0448-001 | Primary Appraised Property Value | propertyValuationPage | $XXXXXX | $XXXXXX | Audit value pulled from the appraisal report |
| XXXXXXX | 305055864 | 0448-001 | Primary Appraised Property Value | propertyValuationPage | $XXXXXX | $XXXXXX | Audit Value Pulled From Appraisal. |
| XXXXXXX | 304892922 | 0448-001 | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXXXXX | 305024070 | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.99 | 90 |  |
| XXXXXXX | 304893031 | 0448-001 | Qualifying CLTV | propertyValuationPage | 48.26 | 49 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| XXXXXXX | 305033726 | 0448-001 | Qualifying CLTV | propertyValuationPage | 66.64 | 67 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| XXXXXXX | 304909524 | 0448-001 | Qualifying CLTV | propertyValuationPage | 69.7 | 70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305051152 | 0448-001 | Qualifying CLTV | propertyValuationPage | 64.51 | 64.5 | Rounding |
| XXXXXXX | 305027133 | 0448-001 | Qualifying CLTV | propertyValuationPage | 60.59 | 61 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305057672 | 0448-001 | Qualifying CLTV | propertyValuationPage | 54.05 | 55 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305037833 | 0448-001 | Qualifying CLTV | propertyValuationPage | 78.21 | 79 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305053465 | 0448-001 | Qualifying CLTV | propertyValuationPage | 64.44 | 65 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305053656 | 0448-001 | Qualifying CLTV | propertyValuationPage | 58.09 | 58.08 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305053673 | 0448-001 | Qualifying CLTV | propertyValuationPage | 56.73 | 56.72 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305057459 | 0448-001 | Qualifying CLTV | propertyValuationPage | 55.14 | 55.13 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305030965 | 0448-001 | Qualifying CLTV | propertyValuationPage | 79.08 | 80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305051882 | 0448-001 | Qualifying CLTV | propertyValuationPage | 79.44 | 80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305053259 | 0448-001 | Qualifying CLTV | propertyValuationPage | 78.19 | 79 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305013540 | 0448-001 | Qualifying CLTV | propertyValuationPage | 72.86 | 73 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 304911420 | 0448-001 | Qualifying CLTV | propertyValuationPage | 83.06 | 84 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305028509 | 0448-001 | Qualifying CLTV | propertyValuationPage | 36.5 | 37 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 304907312 | 0448-001 | Qualifying CLTV | propertyValuationPage | 77.37 | 78 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305029850 | 0448-001 | Qualifying CLTV | propertyValuationPage | 44.64 | 45 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305013383 | 0448-001 | Qualifying CLTV | propertyValuationPage | 85 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305029254 | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Rounding |
| XXXXXXX | 304893436 | 0448-001 | Qualifying CLTV | propertyValuationPage | 71.74 | 72 | Audit Value of 1st lien / Qualifying Value. |
| XXXXXXX | 305034564 | 0448-001 | Qualifying CLTV | propertyValuationPage | 79.71 | 80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305053728 | 0448-001 | Qualifying CLTV | propertyValuationPage | 77.14 | 78 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 304904586 | 0448-001 | Qualifying CLTV | propertyValuationPage | 86.05 | 86.04 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| XXXXXXX | 305029891 | 0448-001 | Qualifying CLTV | propertyValuationPage | 83.94 | 84 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305054640 | 0448-001 | Qualifying CLTV | propertyValuationPage | 67.88 | 68 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| XXXXXXX | 305037563 | 0448-001 | Qualifying CLTV | propertyValuationPage | 57.98 | 58 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305053519 | 0448-001 | Qualifying CLTV | propertyValuationPage | 77.16 | 78 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 304909882 | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305039516 | 0448-001 | Qualifying CLTV | propertyValuationPage | 34.25 | 35 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305054904 | 0448-001 | Qualifying CLTV | propertyValuationPage | 45.54 | 46 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 304963607 | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Rounding |
| XXXXXXX | 305052050 | 0448-001 | Qualifying CLTV | propertyValuationPage | 67.86 | 67.85 | Rounding |
| XXXXXXX | 305063856 | 0448-001 | Qualifying CLTV | propertyValuationPage | 69.17 | 70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305064478 | 0448-001 | Qualifying CLTV | propertyValuationPage | 75.08 | 76 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305057091 | 0448-001 | Qualifying CLTV | propertyValuationPage | 64.36 | 68 | Audit value pulled from documents located in the loan file. |
| XXXXXXX | 305057089 | 0448-001 | Qualifying CLTV | propertyValuationPage | 66.91 | 67 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305055864 | 0448-001 | Qualifying CLTV | propertyValuationPage | 69.57 | 70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305064014 | 0448-001 | Qualifying CLTV | propertyValuationPage | 71.6 | 72 | Audit value pulled from documents located in the loan file. |
| XXXXXXX | 305066285 | 0448-001 | Qualifying CLTV | propertyValuationPage | 50.09 | 51 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| XXXXXXX | 305050752 | 0448-001 | Qualifying CLTV | propertyValuationPage | 46.3 | 47 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 304896233 | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.97 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305053344 | 0448-001 | Qualifying CLTV | propertyValuationPage | 63.62 | 64 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 305053351 | 0448-001 | Qualifying CLTV | propertyValuationPage | 34.19 | 35 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXXX | 304896351 | 0448-001 | Qualifying FICO | creditLiabilitiesPage | 715 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXXX | 305036788 | 0448-001 | Qualifying FICO | creditLiabilitiesPage | 740 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXXX | 305063856 | 0448-001 | Qualifying FICO | creditLiabilitiesPage | 772 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXXX | 305057091 | 0448-001 | Qualifying FICO | creditLiabilitiesPage | 797 | 0 | Audit value pulled from documents located in the loan file. |
| XXXXXXX | 305063855 | 0448-001 | Qualifying FICO | creditLiabilitiesPage | 763 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXXX | 305053344 | 0448-001 | Qualifying FICO | creditLiabilitiesPage | 804 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXXX | 305053351 | 0448-001 | Qualifying FICO | creditLiabilitiesPage | 727 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXXX | 305024070 | 0448-001 | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Rounding |
| XXXXXXX | 304893031 | 0448-001 | Qualifying LTV | propertyValuationPage | 34.49 | 35 | Audit Value of Subject Lien / Qualifying Value" |
| XXXXXXX | 305033726 | 0448-001 | Qualifying LTV | propertyValuationPage | 66.64 | 67 | Audit Value of Subject Lien / Qualifying Value. |
| XXXXXXX | 304909524 | 0448-001 | Qualifying LTV | propertyValuationPage | 69.7 | 70 | Audit Value of Subject Lien / Qualifying Value. |
| XXXXXXX | 305051152 | 0448-001 | Qualifying LTV | propertyValuationPage | 64.51 | 64.5 | Rounding |
| XXXXXXX | 305027133 | 0448-001 | Qualifying LTV | propertyValuationPage | 60.59 | 61 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305057672 | 0448-001 | Qualifying LTV | propertyValuationPage | 54.05 | 55 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305037833 | 0448-001 | Qualifying LTV | propertyValuationPage | 78.21 | 79 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305053465 | 0448-001 | Qualifying LTV | propertyValuationPage | 64.44 | 65 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305053656 | 0448-001 | Qualifying LTV | propertyValuationPage | 58.09 | 58.08 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305053673 | 0448-001 | Qualifying LTV | propertyValuationPage | 56.73 | 56.72 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305057459 | 0448-001 | Qualifying LTV | propertyValuationPage | 55.14 | 55.13 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305030965 | 0448-001 | Qualifying LTV | propertyValuationPage | 79.08 | 80 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305051882 | 0448-001 | Qualifying LTV | propertyValuationPage | 79.44 | 80 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305053259 | 0448-001 | Qualifying LTV | propertyValuationPage | 78.19 | 79 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305013540 | 0448-001 | Qualifying LTV | propertyValuationPage | 72.86 | 73 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 304911420 | 0448-001 | Qualifying LTV | propertyValuationPage | 83.06 | 84 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305028509 | 0448-001 | Qualifying LTV | propertyValuationPage | 36.5 | 37 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 304907312 | 0448-001 | Qualifying LTV | propertyValuationPage | 77.37 | 78 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305029850 | 0448-001 | Qualifying LTV | propertyValuationPage | 44.64 | 45 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305013383 | 0448-001 | Qualifying LTV | propertyValuationPage | 85 | 90 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305029254 | 0448-001 | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Rounding |
| XXXXXXX | 304893436 | 0448-001 | Qualifying LTV | propertyValuationPage | 71.74 | 72 | Audit Value of Subject Lien / Qualifying Value. |
| XXXXXXX | 305028467 | 0448-001 | Qualifying LTV | propertyValuationPage | 66.67 | 67 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305034564 | 0448-001 | Qualifying LTV | propertyValuationPage | 79.71 | 80 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305053728 | 0448-001 | Qualifying LTV | propertyValuationPage | 77.14 | 78 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 304904586 | 0448-001 | Qualifying LTV | propertyValuationPage | 86.05 | 86.04 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| XXXXXXX | 305029891 | 0448-001 | Qualifying LTV | propertyValuationPage | 83.94 | 84 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305054640 | 0448-001 | Qualifying LTV | propertyValuationPage | 67.88 | 68 | Audit Value of Subject Lien / Qualifying Value" |
| XXXXXXX | 305037563 | 0448-001 | Qualifying LTV | propertyValuationPage | 57.98 | 58 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305053519 | 0448-001 | Qualifying LTV | propertyValuationPage | 77.16 | 78 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 304909882 | 0448-001 | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305039516 | 0448-001 | Qualifying LTV | propertyValuationPage | 34.25 | 35 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305054904 | 0448-001 | Qualifying LTV | propertyValuationPage | 45.54 | 46 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305052050 | 0448-001 | Qualifying LTV | propertyValuationPage | 67.86 | 67.85 | Rounding |
| XXXXXXX | 305063856 | 0448-001 | Qualifying LTV | propertyValuationPage | 69.17 | 70 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305064478 | 0448-001 | Qualifying LTV | propertyValuationPage | 75.08 | 76 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305057091 | 0448-001 | Qualifying LTV | propertyValuationPage | 64.36 | 68 | Audit value pulled from documents located in the loan file. |
| XXXXXXX | 305057089 | 0448-001 | Qualifying LTV | propertyValuationPage | 66.91 | 67 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305055864 | 0448-001 | Qualifying LTV | propertyValuationPage | 69.57 | 70 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305064014 | 0448-001 | Qualifying LTV | propertyValuationPage | 71.6 | 72 | Audit value pulled from documents located in the loan file. |
| XXXXXXX | 305066285 | 0448-001 | Qualifying LTV | propertyValuationPage | 50.09 | 51 | Audit Value of Subject Lien / Qualifying Value" |
| XXXXXXX | 305050752 | 0448-001 | Qualifying LTV | propertyValuationPage | 46.3 | 47 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 304896233 | 0448-001 | Qualifying LTV | propertyValuationPage | 89.97 | 90 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305053344 | 0448-001 | Qualifying LTV | propertyValuationPage | 63.62 | 64 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXXX | 305053351 | 0448-001 | Qualifying LTV | propertyValuationPage | 34.19 | 35 | Audit Value of Subject Lien / Qualifying Value |

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## Exhibit 99.23

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.23**

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| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXXXX | XXXXXX | XXXXXX | 304892922 | Closed | 2025-12-17 08:09 | 2025-12-17 08:09 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/17/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/17/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305024070 | Closed | 2025-12-18 14:49 | 2026-01-23 08:52 | Resolved | 1 - Information | Compliance | XXXXXX | AbilityToRepay: QMPointsAndFees | Resolved-Received the par rate. Condition cleared. - Due Diligence Vendor-01/23/2026 <br> Resolved- - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Mavent - Due Diligence Vendor-01/22/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/18/2025 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 |  | Resolved-Received the par rate. Condition cleared. - Due Diligence Vendor-01/23/2026<br>| XXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305024070 | Closed | 2025-12-18 14:49 | 2026-01-23 08:49 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Resolved-Resolved - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Cured-Received proof of $XX refund, LOX, PCCD, and proof of delivery. Condition cleared. - Due Diligence Vendor-01/22/2026 <br> Resolved- - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Cure Packet Shipping Soon - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($XX.XX) has increased by more than 10% over the current baseline value of ($XX.XX). The total amount of fees in the 10% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Loan Estimate, dated (XX/XX/XXXX), reflects the baseline 10% fees at 110% as $XX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $XX. The Final Closing Disclosure reflecting the increase, dated XX/XX/XXXX, was disclosed on the same date of the valid COC, stating per closing agent, which occurred on XX/XX/XXXX. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.<br>For regulation 12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v) <br>Tolerance cure of $XX to be provided within 60 days of discovery. - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 |  | Resolved-Resolved - Due Diligence Vendor-01/23/2026 <br> Cured-Received proof of $XX refund, LOX, PCCD, and proof of delivery. Condition cleared. - Due Diligence Vendor-01/22/2026 | XXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305024070 | Closed | 2025-12-18 15:01 | 2026-01-23 08:49 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Resolved-Resolved - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Cured-Received proof of $XX refund, LOX, PCCD, and proof of delivery. Condition cleared. - Due Diligence Vendor-01/22/2026 <br> Resolved- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open-The total amount of the 10% category fees ($XX.XX) has increased by more than 10% over the current baseline value of ($XX.XX). The total amount of fees in the 10% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Loan Estimate, dated (XX/XX/XXXX), reflects the baseline 10% fees at 110% as $XX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $XX. The Final Closing Disclosure reflecting the increase, dated XX/XX/XXXX, was disclosed on the same date of the valid COC, stating per closing agent, which occurred on XX/XX/XXXX. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.<br> For regulation 12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v) <br> Tolerance cure of $XX to be provided within 60 days of discovery. - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 |  | Resolved-Resolved - Due Diligence Vendor-01/23/2026 <br> Cured-Received proof of $XXX refund, LOX, PCCD, and proof of delivery. Condition cleared. - Due Diligence Vendor-01/22/2026 |  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 304893031 | Closed | 2025-12-31 14:12 | 2026-01-14 13:30 | Resolved | 1 - Information | Compliance | XXXXXX | AbilityToRepay: QMPointsAndFees | Resolved-Received par rate. - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Hello, Could you confirm what is needed to clear this condition? Just in case here are the XXXXXXX showing this is a bonafide and XXXXXX passing. - Due Diligence Vendor-01/07/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($XX,XXX.XX). (12 CFR 1026.43(e)(3). Unable to determine if discount points are bona fide. Lender pricing information not provided. - Due Diligence Vendor-01/01/2026 <br> Open- - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/31/2025 |  | Resolved-Received par rate. - Due Diligence Vendor-01/14/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305034695 | Closed | 2026-02-24 13:49 | 2026-02-26 15:53 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-No further action is required. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Hello, Could you confirm if anything is needed from us to clear this loan for purchase? - Due Diligence Vendor-02/25/2026 <br> Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/24/2026 |  | Acknowledged-No further action is required. - Due Diligence Vendor-02/26/2026<br>|  |  |  | XX | Second Home | Purchase | NA | XXXXXXX | Originator Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 304889954 | Closed | 2026-01-26 13:17 | 2026-01-26 13:17 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/26/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/26/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305057446 | Closed | 2026-03-04 09:54 | 2026-03-04 09:55 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/04/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/04/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305057484 | Closed | 2026-03-17 10:11 | 2026-03-17 10:11 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/17/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/17/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 304909524 | Closed | 2026-01-15 09:17 | 2026-01-30 17:42 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received COC. Condition cleared. - Due Diligence Vendor-01/30/2026 <br> Resolved- - Due Diligence Vendor-01/30/2026 <br> Ready for Review-COC on the appraisal fee increase - Due Diligence Vendor-01/29/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The loan file contains a change of circumstance, dated XX/XX/XXXX. The revised LE/CD is dated XX/XX/XXXX, which was outside of the required timely disclosure requirement. No Cure.<br> - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 |  | Resolved-Received COC. Condition cleared. - Due Diligence Vendor-01/30/2026<br>| XXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 304909524 | Closed | 2026-01-15 09:17 | 2026-01-30 17:41 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Received COC. Condition cleared. - Due Diligence Vendor-01/30/2026 <br> Resolved- - Due Diligence Vendor-01/30/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, reflects a two Appraisal Fees of $X,XXX and $X,XXX. Final reflects a two appraisal fees of $X,XXX and $X,XXX. the Closing Disclosure dated XX/XX/XXXX reflected the increase. The loan file did not contain a valid COC to support the increase. The COC provided was dated XX/XX/XXXX and referenced a revised Loan Estimate that was not provided. A tolerance cure of $XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.<br>- Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 |  | Resolved-Received COC. Condition cleared. - Due Diligence Vendor-01/30/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 304909524 | Closed | 2026-01-15 08:03 | 2026-01-29 08:31 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower provided. - Due Diligence Vendor-01/29/2026 <br>Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing - Due Diligence Vendor-01/29/2026 <br>Ready for Review-E Consent - Due Diligence Vendor-01/27/2026 |  | Resolved-E-Consent documentation for borrower provided. - Due Diligence Vendor-01/29/2026<br>| XXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 304909524 | Closed | 2026-01-22 09:57 | 2026-01-22 10:15 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Second Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Secondary Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/22/2026 |  | Acknowledged-ECOA Non-Compliant: Secondary Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/22/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 304909524 | Closed | 2026-01-15 09:57 | 2026-01-22 10:14 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/15/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/15/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305051152 | Closed | 2026-03-06 08:54 | 2026-03-06 08:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305027133 | Closed | 2026-01-16 09:41 | 2026-04-17 13:15 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-B1 income removed from loan. Condition cleared. Additional conditions added. - Due Diligence Vendor-01/30/2026 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Attached - Due Diligence Vendor-01/28/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/16/2026 |  | Resolved-B1 income removed from loan. Condition cleared. Additional conditions added. - Due Diligence Vendor-01/30/2026 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/30/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf<br> XXXXXXX_5.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305027133 | Closed | 2026-01-22 13:30 | 2026-04-17 13:15 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/30/2026 <br>Open-ATR Risk - Employment validation/verification standards do not meet requirements Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/22/2026 |  | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/30/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305027133 | Closed | 2026-01-29 18:11 | 2026-02-04 12:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Final Application - Not Executed | Acknowledged-Final 1003 provided with e-signature. Acknowledged by client and downgraded to B grade - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Attached - Due Diligence Vendor-02/04/2026 <br>Open-The Final 1003 is Not Executed Received an updated 1003 removing B1 income. Provide a signed final 1003. - Due Diligence Vendor-01/30/2026 |  | Acknowledged-Final 1003 provided with e-signature. Acknowledged by client and downgraded to B grade - Due Diligence Vendor-02/04/2026<br>| XXXXXXX_1.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305027133 | Closed | 2026-01-29 18:23 | 2026-02-02 08:57 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Required Documentation is Missing | Acknowledged-Received a lender exception to allow post close AUS report. The lender exception was received via email and is dated post consummation. - Due Diligence Vendor-02/02/2026 <br>Open-1/29/2026-The lender removed B1 income and provided revised documents including AUS reports dated post-closing. Please provide a lender exception allowing the use of a post-close AUS report. - Due Diligence Vendor-01/30/2026 |  | Acknowledged-Received a lender exception to allow post close AUS report. The lender exception was received via email and is dated post consummation. - Due Diligence Vendor-02/02/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305027133 | Closed | 2026-01-22 14:03 | 2026-01-22 14:03 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/22/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/22/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305057672 | Closed | 2026-03-06 08:46 | 2026-03-06 08:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305057612 | Closed | 2026-03-06 10:08 | 2026-03-06 10:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305056717 | Closed | 2026-03-06 11:56 | 2026-03-12 08:08 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Mortgage statement was provided and reflects payment is inclusive of escrow for taxes and insurance. Condition cleared. - Due Diligence Vendor-03/12/2026 <br> Counter-A copy of the mortgage statement was not found in the original loan file, lender to provide. This issue will be revisited upon receipt of the mortgage statement. Condition retained. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Escrow per Mortgage Statement:<br> $X,XXX.XX<br> HOI: $X,XXX.XX/12=$XXX.XX<br> Taxes: $XX,XXX.XX/12=$XXX.XX mo<br> There is a $XX.XX difference between the escrow amount on mortgage statement and those calculations, however that is minimal and is most likely due to the mortgagor not having completed an escrow analysis for the newest figures. The XXX dues are $X,XXX per provided XXX minutes. $X,XXX/12=$XXX.XX/mo. Updated 1003/1008 have been provided w/HOI statement and XXX meeting minutes - Due Diligence Vendor-03/10/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements 1) Missing evidence of insurance for departure residence. 2) Missing evidence of XXX dues for departure residence. 3) Missing documentation to reflect mortgage payment reflected on the credit report is inclusive of escrows for taxes and insurance. - Due Diligence Vendor-03/06/2026 |  | Resolved-Mortgage statement was provided and reflects payment is inclusive of escrow for taxes and insurance. Condition cleared. - Due Diligence Vendor-03/12/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305056717 | Closed | 2026-03-06 12:58 | 2026-03-12 07:58 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Resolved-Mortgage statement was provided and reflects payment is inclusive of escrow for taxes and insurance. Condition cleared. - Due Diligence Vendor-03/12/2026 <br> Counter-A copy of the mortgage statement was not found in the original loan file, lender to provide. This issue will be revisited upon receipt of the mortgage statement. Condition retained. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Escrow per Mortgage Statement:<br> $X,XXX.XX <br> HOI: $X,XXX.XX/12=$XXX.XX<br> Taxes: $XX,XXX.XX/12=$XXX.XX mo<br> There is a $XX.XX difference between the escrow amount on mortgage statement and those calculations, however that is minimal and is most likely due to the mortgagor not having completed an escrow analysis for the newest figures. The XXX dues are $X,XXX per provided XXX minutes. $X,XXX/12=$XXX.XX/mo. Updated 1003/1008 have been provided w/HOI statement and XXX meeting minutes - Due Diligence Vendor-03/10/2026 <br> Open-Provide evidence that taxes for the departure residence, REO 3a on the final loan application, is included in the mortgage payment of $X,XXX.XX. The XXXXXXXX XXXXX XXXXXXX report reflects taxes of $XX,XXX.XX for this property but the 1003 lists only $XXX.XX as other expenses. - Due Diligence Vendor-03/06/2026 |  | Resolved-Mortgage statement was provided and reflects payment is inclusive of escrow for taxes and insurance. Condition cleared. - Due Diligence Vendor-03/12/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305056717 | Closed | 2026-03-06 12:54 | 2026-03-12 07:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-Mortgage statement was provided and reflects payment is inclusive of escrow for taxes and insurance. Condition cleared. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-See attached mortgage statement - Due Diligence Vendor-03/11/2026 <br> Counter-A copy of the mortgage statement was not found in the original loan file, lender to provide. This issue will be revisited upon receipt of the mortgage statement. Condition retained. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Escrow per Mortgage Statement:<br> $X,XXX.XX<br> HOI: $X,XXX.XX/12=$XXX.XX<br> Taxes: $XX,XXX.XX/12=$XXX.XX mo<br> There is a $XX.XX difference between the escrow amount on mortgage statement and those calculations, however that is minimal and is most likely due to the mortgagor not having completed an escrow analysis for the newest figures. The XXX dues are $X,XXX per provided XXX minutes. $X,XXX/12=$XXX.XX/mo. Updated 1003/1008 have been provided w/HOI statement and XXX meeting minutes - Due Diligence Vendor-03/10/2026 <br> Open-Missing Evidence of Insurance for departure residence, REO 3a on the final loan application OR provide a copy of the mortgage statement or other documentation indicating the payment includes escrows for taxes and insurance. - Due Diligence Vendor-03/06/2026 |  | Resolved-Mortgage statement was provided and reflects payment is inclusive of escrow for taxes and insurance. Condition cleared. - Due Diligence Vendor-03/12/2026<br>| XXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305056717 | Closed | 2026-03-06 12:55 | 2026-03-11 10:07 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for REO1 | Resolved-Documentation of XXX dues was provided. Condition cleared. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Escrow per Mortgage Statement:<br> $X,XXX.XX<br> HOI: $X,XXX.XX/12=$XXX.XX<br> Taxes: $XX,XXX.XX/12=$XXX.XX mo<br> There is a $XX.XX difference between the escrow amount on mortgage statement and those calculations, however that is minimal and is most likely due to the mortgagor not having completed an escrow analysis for the newest figures. The XXX dues are $X,XXX per provided XXX minutes. $X,XXX/12=$XXX.XX/mo. Updated 1003/1008 have been provided w/HOI statement and XXX meeting minutes - Due Diligence Vendor-03/10/2026 <br> Open-Missing Evidence of XXX Dues for REO1 Missing evidence of XXX dues for departure residence, REO 3a on the final loan application. Property is a condo. - Due Diligence Vendor-03/06/2026 |  | Resolved-Documentation of XXX dues was provided. Condition cleared. - Due Diligence Vendor-03/11/2026 |  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305059596 | Closed | 2026-03-18 14:57 | 2026-03-18 15:03 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Secondary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Secondary Appraisal Not Provided to Applicant. ECOA: Most Recent Secondary Appraisal Date of XX/XX/XXXX is after the Secondary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/18/2026 |  | Acknowledged-ECOA Non-Compliant: Most Recent Secondary Appraisal Not Provided to Applicant. ECOA: Most Recent Secondary Appraisal Date of XX/XX/XXXX is after the Secondary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/18/2026 |  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305030965 | Closed | 2026-02-14 09:11 | 2026-02-19 11:13 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/14/2026<br>|  |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305051882 | Closed | 2026-03-02 11:39 | 2026-03-16 16:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Purchase Contract | Resolved-Purchase Contract provided. - Due Diligence Vendor-03/16/2026 <br>Ready for Review-See purchase contract - Due Diligence Vendor-03/13/2026 <br>Open-Missing Purchase Contract - Due Diligence Vendor-03/02/2026 |  | Resolved-Purchase Contract provided. - Due Diligence Vendor-03/16/2026<br>| XXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 304893446 | Closed | 2026-01-02 09:33 | 2026-02-07 21:54 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/08/2026 <br> Ready for Review-CDA - Due Diligence Vendor-02/06/2026 <br> Counter-The doc provided is not the UCDP LCA. The UCDP LCA was already reviewed and has a score of 4. CU score is 2.6. Provide a secondary valuation that supports the value of the subject property. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-XXXXXXX LCA - Due Diligence Vendor-01/13/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/02/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/08/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_1.pdf |  |  | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 304893446 | Closed | 2026-02-07 21:53 | 2026-02-07 21:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-02/08/2026 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/08/2026 |  |  |  |  |  | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Originator Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305053259 | Closed | 2026-02-25 06:34 | 2026-03-09 17:16 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-ICD - Due Diligence Vendor-03/06/2026 <br> Counter-Received verification the Initial CD was provided XX/XX/XXXX. The initial CD is missing from the loan file. Lender to provide evidence that the initial CD was provided to all vested owners. If non-borrowing spouse electronically signed the disclosure, need copy of E-Consent. Additional conditions may apply. Condition remains. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-ICD was issued and acknowledged on XX/XX/XXXX - Due Diligence Vendor-03/04/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Lender to provide evidence that the initial CD was provided to all vested owners. If non-borrowing spouse electronically signed the disclosure, need copy of E-Consent. Additional conditions may apply. No Cure. - Due Diligence Vendor-02/25/2026 <br> Open- - Due Diligence Vendor-02/27/2026 <br> Open- - Due Diligence Vendor-02/27/2026 <br> Open- - Due Diligence Vendor-02/25/2026 |  | Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-03/09/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_1.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305013540 | Closed | 2026-01-15 09:39 | 2026-04-17 07:06 | Cured | 2 - Non-Material | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Cured- - Due Diligence Vendor-04/17/2026 <br> Cured-Received proof of receipt. Condition cured with a B grade. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-XX 2/12 Please see attached Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened - Due Diligence Vendor-02/12/2026 <br> Counter-Received new RTC, LOX, and Fed ex. Missing proof of receipt. Proof of receipt can be evidenced through receipt/delivery confirmation from courier, executed NORTC, email acknowledgement, confirmation of electronic receipt, etc... Condition remains. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-XX 1/28 Please see attached Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened - Due Diligence Vendor-01/28/2026 <br> Counter-Received HUD with disbursement date of XX/XX/XXXX. Opus is using a disbursement date of XX/XX/XXXX. The issue is the XX/XX/XXXX signature date on the Final CD. Provide verification that the final CD was received XX/XX/XXXX. Condition remains. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-XX 1/16 Please see the attached final Settlement Statement showing that the disbursement date was after the rescission period expired. - Due Diligence Vendor-01/16/2026 <br> Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) The rescission start date was based on the final CD receipt of XX/XX/XXXX. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 |  | Cured-Received proof of receipt. Condition cured with a B grade. - Due Diligence Vendor-02/12/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_1.pdf<br> XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305013540 | Closed | 2026-01-15 09:39 | 2026-04-17 07:06 | Cured | 2 - Non-Material | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Cured- - Due Diligence Vendor-04/17/2026 <br> Cured-Received proof of receipt. Condition cured with a B grade. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-XX 2/12 Please see attached Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened - Due Diligence Vendor-02/12/2026 <br> Counter-Received new RTC, LOX, and Fed ex. Missing proof of receipt. Proof of receipt can be evidenced through receipt/delivery confirmation from courier, executed NORTC, email acknowledgement, confirmation of electronic receipt, etc... Condition remains. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-XXTF 1/28 Please see attached Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened - Due Diligence Vendor-01/28/2026 <br> Counter-Received HUD with disbursement date of XX/XX/XXXX. XXXX is using a disbursement date of XX/XX/XXXX. The issue is the XX/XX/XXXX signature date on the Final CD. Provide verification that the final CD was received XX/XX/XXXX. Condition remains. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-XX 1/16 Please see the attached final Settlement Statement showing that the disbursement date was after the rescission period expired. - Due Diligence Vendor-01/16/2026 <br> Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The rescission start date was based on the final CD receipt of XX/XX/XXXX. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 |  | Cured-Received proof of receipt. Condition cured with a B grade. - Due Diligence Vendor-02/12/2026<br>| XXXXXXX_1.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305013540 | Closed | 2026-01-15 09:37 | 2026-01-15 09:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/15/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/15/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 304874540 | Closed | 2026-02-06 10:32 | 2026-02-06 10:36 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-02/06/2026 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/06/2026 |  |  |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 304874540 | Closed | 2026-01-27 09:19 | 2026-02-06 10:35 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-. - Due Diligence Vendor-02/06/2026 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-02/05/26 - XX: Please see attached. - Due Diligence Vendor-02/05/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/27/2026 |  | Resolved-. - Due Diligence Vendor-02/06/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/06/2026<br>| XXXXXXX_1.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 304874540 | Closed | 2026-01-27 09:44 | 2026-02-06 10:34 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved- - Due Diligence Vendor-02/06/2026 <br> Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-01/31/2026 <br> Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |  | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-01/31/2026 <br> Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 304874540 | Closed | 2026-01-27 09:33 | 2026-01-31 14:06 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-01/31/2026 <br> Open- - Due Diligence Vendor-01/31/2026 <br> Ready for Review-XX 1/30 Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all 6 pieces of information. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the import date as the Application date which is incorrect. - Due Diligence Vendor-01/30/2026 <br> Open- - Due Diligence Vendor-01/29/2026 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-01/31/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 304874540 | Closed | 2026-01-27 09:33 | 2026-01-31 14:06 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-01/31/2026 <br> Open- - Due Diligence Vendor-01/31/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/29/2026 <br> Open- - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-01/31/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305026149 | Closed | 2026-01-02 09:54 | 2026-04-16 18:48 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received Gift funds clarification. - Due Diligence Vendor-01/21/2026 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/21/2026 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements missing gift letters - Due Diligence Vendor-01/02/2026 |  | Resolved-Received Gift funds clarification. - Due Diligence Vendor-01/21/2026 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/21/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305026149 | Closed | 2026-01-02 09:55 | 2026-01-21 16:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing Gift Documentation | Resolved-Received explanation for Gift funds. Condition cleared. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-1/20 XX: After further clarification with the broker and the borrower's there was only a $XXX & $XXXX gift. There are no additional funds that were sent to title or the borrowers account. The loan used the 2 gifts and the borrowers chase business account. There is no additional documentation required. - Due Diligence Vendor-01/20/2026 <br> Counter-Additional gift letters are not being requested. $XXX,XXX in gift funds has been verified as received. Provide verification that the remaining funds ($XXX,XXX) were transferred to the borrower. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-1/9 XX: There are no separate gift letters for $XXX,XXX & $XX,XXX since all of the funds are coming from the same donor. These gift funds are still apart of the $XXX,XXX gift. - Due Diligence Vendor-01/09/2026 <br> Counter-Received gift letter for $XXX,XXX. The $XXX,XXX amount is showing on the final CD and a XXXXX XXXX statement verifies the $XX,XXX deposit. Provide verification that the remaining funds were transferred to the borrower. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-1/5 XX: Both gift amounts in the amount of $XXX,XXX & XX,XXX.XX are from the husband. They had to be split up in our system due to $XX,XXX of the $XXX,XXX Gift was deposited in XXXXX XXXXXXXX Checking #XXXX on XX/XX/XXXX and the remaining $XXX,XXX will be transferred at closing. Both gift amounts fall under this gift letter but since the amounts were wired separately there are no separate gift letters. - Due Diligence Vendor-01/05/2026 <br> Open-Guidelines require a signed gift letter from the donor specifying the following: (1) the specific dollar amount of the gift and the date the funds were transferred to the borrower, (2)donor's name, address, telephone number and the relationship to the borrower and (3) the donor's statement that no repayment is expected. The gift documentation is missing for the gift funds listed on the final application. Missing gift letters for $XXX,XXX & $XX,XXX. - Due Diligence Vendor-01/02/2026 |  | Resolved-Received explanation for Gift funds. Condition cleared. - Due Diligence Vendor-01/21/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305026149 | Closed | 2025-12-26 10:08 | 2025-12-26 10:35 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/26/2025 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/26/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305026149 | Closed | 2025-12-26 10:08 | 2025-12-26 10:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/26/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/26/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305033606 | Closed | 2026-02-09 12:46 | 2026-02-11 09:33 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Provide evidence that borrower received both appraisals at least 3 days prior to closing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/11/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Provide evidence that borrower received both appraisals at least 3 days prior to closing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/11/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 304911420 | Closed | 2026-01-13 13:07 | 2026-01-13 13:07 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/13/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/13/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305027306 | Closed | 2026-01-26 11:55 | 2026-01-26 11:55 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/26/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/26/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305029850 | Closed | 2026-02-11 12:51 | 2026-02-13 09:06 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received revised CD dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-XX 2/12: Please see the attached // - Due Diligence Vendor-02/13/2026 <br> Open-The loan file is missing the Closing Disclosure corresponding to the COCs dated XX/XX/XXXX for change in Loan Program, Loan Amount and Rate. - Due Diligence Vendor-02/11/2026 |  | Resolved-Received revised Cd dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/13/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305029850 | Closed | 2026-02-11 12:45 | 2026-02-11 12:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/11/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/11/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305013383 | Closed | 2026-01-23 16:46 | 2026-02-05 14:33 | Acknowledged | 2 - Non-Material | Credit | Closing | Invalid AUS | Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-2/4 XX: This should not require a lender exception, there is not guidelines requiring AUS to be dated prior to closing. There is no difference whether this was ran today or a week before closing. - Due Diligence Vendor-02/04/2026 <br> Counter-Received updated DU. Provide a lender exception allowing AUS report dated post-closing. Condition remains. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX: See attached AUS Findings - Due Diligence Vendor-01/29/2026 <br> Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with Loan Amount and LTV. The DU reflects a loan amount of $XXX,XXX.XX; the loan closed with a loan amount of $XXX,XXX.XX. DU allows a maximum 5% reduction in loan amount for refinances, or $XXX,XXX.XX. Lender to provide corrected AUS with correct loan amount of $XXX,XXX.XX and corresponding LTV of 85%. - Due Diligence Vendor-01/23/2026 |  | Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/05/2026<br>| XXXXXXX_1.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305013383 | Closed | 2026-01-23 16:31 | 2026-02-02 13:15 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-COC XX/XX/XXXX reflected on CD dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-XX 2/2 Disagree. The Cofc dated XX/XX/XXXX was retired due to the change being disclosed on the CD that was sent out on XX/XX/XXXX along with the change from XX/XX/XXXX. - Due Diligence Vendor-02/02/2026 <br> Counter- - Due Diligence Vendor-01/28/2026 <br> Ready for Review-XX 1/27 Please see attached CofC and their respective Initial CDs disclosing the change - Due Diligence Vendor-01/27/2026 <br> Open-Lender to provide the initial and all interim Closing Disclosures. The loan file contained COCs dated XX/XX/XXXX and XX/XX/XXXX and the Disclosure History reflects CD packages on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-01/23/2026 | Received CDs dated XX/XX/XXXX and XX/XX/XXXX. Missing CD dated XX/XX/XXXX. Additional conditions may apply. - 01/28/2026 <br>| Resolved-COC XX/XX/XXXX reflected on CD dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/02/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305013383 | Closed | 2026-01-20 23:23 | 2026-01-28 09:18 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-XX 1/27 Please see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the 3 business days before the closing date of XX/XX/XXXX - Due Diligence Vendor-01/27/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure.<br> - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 |  | Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-01/28/2026<br>| XXXXXXX_1.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305013383 | Closed | 2026-01-23 16:23 | 2026-01-23 16:23 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/23/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/23/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305025064 | Closed | 2026-01-29 14:48 | 2026-01-31 14:47 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-01/31/2026 <br> Ready for Review-XX 1/30 Please see attached - Due Diligence Vendor-01/30/2026 <br> Open-TILA: NORTC Missing for one or more borrowers/vested parties Notice of Right to Cancel signed by Co-Borrower was not found in the loan file. - Due Diligence Vendor-01/29/2026 |  | Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-01/31/2026<br>| XXXXXXX_1.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305025064 | Closed | 2026-01-29 15:01 | 2026-01-29 15:01 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/29/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/29/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 304893436 | Closed | 2025-12-24 09:22 | 2026-04-16 18:49 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Explanation of Other Amount provided; condition resolved. - Due Diligence Vendor-01/14/2026 <br> Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/14/2026 <br> Ready for Review-To address the following condition .. our records indicate The pulled credit does not indicate late payments with all PITI documented to current month of close as needed. The credit was pulled 1x with a re-issue date. The DU findings supports use of this bureau. To better clear the condition please advise which credit history is not taken into consideration? - Due Diligence Vendor-01/13/2026 <br> Open-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-12/24/2025 |  | Resolved-Explanation of Other Amount provided; condition resolved. - Due Diligence Vendor-01/14/2026 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/14/2026<br>|  |  |  | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 304893436 | Closed | 2025-12-24 09:23 | 2026-01-14 17:04 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Explanation of Other Amount provided; condition resolved. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-To address the following condition: XXXX XXXXXXXX XX (Primary) -- $XXXX mtg payment (XX/escrowed) + $XX expenses (difference between documented taxes/HOI and monthly escrow) The XX.XX was added to the qualified DTI to support the difference from the escrowed PITI to the documented taxes and insurance in file. This was to insure the DTI fully supported the cost of the primary in the qualified DTI at final review. The PITI and payment history is fully documented for all costs on the primary residence. The escrow on the property is current and the T/I are supported in file. - Due Diligence Vendor-01/13/2026 <br> Open-Documentation is missing to verify Primary Residence payment (Other amount) $XX. - Due Diligence Vendor-12/24/2025 |  | Resolved-Explanation of Other Amount provided; condition resolved. - Due Diligence Vendor-01/14/2026<br>|  |  |  | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 304893436 | Closed | 2025-12-24 10:46 | 2025-12-24 10:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/24/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/24/2025<br>|  |  |  | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 304893436 | Closed | 2025-12-24 10:46 | 2025-12-24 10:46 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/24/2025 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/24/2025<br>|  |  |  | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305028467 | Closed | 2026-02-13 08:25 | 2026-02-13 08:28 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/13/2026 |  | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/13/2026 |  |  |  | XX | Second Home | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305042636 | Closed | 2026-03-02 09:28 | 2026-03-02 09:28 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/02/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/02/2026<br>|  |  |  | XX | Second Home | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305037836 | Closed | 2026-02-27 12:10 | 2026-03-03 19:25 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-02/27/2026 |  | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-02/27/2026<br>|  |  |  | XX | Second Home | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305037836 | Closed | 2026-03-03 19:25 | 2026-03-03 19:25 | Acknowledged | 2 - Non-Material | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation supports within 10%, PIW grading applies. - Due Diligence Vendor-03/04/2026 |  | Acknowledged-Secondary valuation supports within 10%, PIW grading applies. - Due Diligence Vendor-03/04/2026<br>|  |  |  | XX | Second Home | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305034564 | Closed | 2026-02-12 14:45 | 2026-02-20 09:56 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Document provided confirming completion on XX/XX/XXXX - Due Diligence Vendor-02/20/2026 <br> Ready for Review-The LE was electronically sent to the borrowers on XX/XX/XXXX please waive - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/17/2026 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/12/2026 |  | Resolved-Document provided confirming completion on XX/XX/XXXX - Due Diligence Vendor-02/20/2026 | XXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305060967 | Closed | 2026-03-17 13:38 | 2026-03-23 09:15 | Resolved | 1 - Information | Credit | Missing Doc | AUS Not Provided | Resolved-Lender provided the AUS/DU. Condition cleared. - Due Diligence Vendor-03/23/2026 <br>Ready for Review-DU - Due Diligence Vendor-03/18/2026 <br>Open-Missing AUS The final 1008 and the Lock Confirmation indicate that the loan was underwritten to an AUS (DU). Additionally, the income documentation was incomplete, it seems that reduced documentation was required per AUS. Additional conditions may apply. - Due Diligence Vendor-03/17/2026 |  | Resolved-Lender provided the AUS/DU. Condition cleared. - Due Diligence Vendor-03/23/2026<br>| XXXXXXX_1.pdf |  |  | XX | Second Home | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305060967 | Closed | 2026-03-17 06:26 | 2026-03-17 13:40 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/17/2026 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/17/2026<br>|  |  |  | XX | Second Home | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 304904586 | Closed | 2025-12-22 13:57 | 2025-12-31 12:22 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Closing Disclosures and valid CoCs provided; condition resolved. - Due Diligence Vendor-12/31/2025 <br> Resolved- - Due Diligence Vendor-12/31/2025 <br> Ready for Review-XX 12/23: Please see the attached Closing Disclosures and COCs. Redisclosed LE/CDs are only required per TILA 1026.19(e)(3)(iv)(A) when the baseline for tolerances is being reset by the related COC. As the XX/XX/XXXX COC did not impact pricing, the baseline for tolerances did not need to be reset so a redisclosed LE was not issued. // - Due Diligence Vendor-12/31/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing initial CD and any subsequent CDs reflecting changes corresponding to the COCs dated XX/XX/XXXX and XX/XX/XXXX. Compliance will be re-reviewed upon receipt of the initial CD and any subsequent CDs. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 |  | Resolved-Closing Disclosures and valid CoCs provided; condition resolved. - Due Diligence Vendor-12/31/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 304904586 | Closed | 2025-12-22 13:57 | 2025-12-31 12:21 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Closing Disclosures and valid CoCs provided; condition resolved. - Due Diligence Vendor-12/31/2025 <br> Resolved- - Due Diligence Vendor-12/31/2025 <br> Ready for Review-XX 12/23: Please see the attached Closing Disclosures and COCs. Redisclosed LE/CDs are only required per TILA 1026.19(e)(3)(iv)(A) when the baseline for tolerances is being reset by the related COC. As the XX/XX/XXXX COC did not impact pricing, the baseline for tolerances did not need to be reset so a redisclosed LE was not issued. // - Due Diligence Vendor-12/31/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Missing initial CD and any subsequent CDs reflecting changes corresponding to the COCs dated XX/XX/XXXX and XX/XX/XXXX. Compliance will be re-reviewed upon receipt of the initial CD and any subsequent CDs. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 |  | Resolved-Closing Disclosures and valid CoCs provided; condition resolved. - Due Diligence Vendor-12/31/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 304904586 | Closed | 2025-12-22 13:57 | 2025-12-31 12:21 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Resolved-Closing Disclosures and valid CoCs provided; condition resolved. - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/31/2025 <br> Ready for Review-XX 12/23: Please see the attached Closing Disclosures and COCs. Redisclosed LE/CDs are only required per TILA 1026.19(e)(3)(iv)(A) when the baseline for tolerances is being reset by the related COC. As the XX/XX/XXXX COC did not impact pricing, the baseline for tolerances did not need to be reset so a redisclosed LE was not issued. // - Due Diligence Vendor-12/31/2025 <br> Open-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Intangible Tax). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Missing initial CD and any subsequent CDs reflecting changes corresponding to the COCs dated XX/XX/XXXX and XX/XX/XXXX. Compliance will be re-reviewed upon receipt of the initial CD and any subsequent CDs. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 |  | Resolved-Closing Disclosures and valid CoCs provided; condition resolved. - Due Diligence Vendor-12/31/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 304904586 | Closed | 2025-12-22 13:57 | 2025-12-31 12:20 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Resolved-Closing Disclosures and valid CoCs provided; condition resolved. - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/31/2025 <br> Ready for Review-XX 12/23: Please see the attached Closing Disclosures and COCs. Redisclosed LE/CDs are only required per TILA 1026.19(e)(3)(iv)(A) when the baseline for tolerances is being reset by the related COC. As the XX/XX/XXXX COC did not impact pricing, the baseline for tolerances did not need to be reset so a redisclosed LE was not issued. // - Due Diligence Vendor-12/31/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Intangible Tax). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Missing initial CD and any subsequent CDs reflecting changes corresponding to the COCs dated XX/XX/XXXX and XX/XX/XXXX. Compliance will be re-reviewed upon receipt of the initial CD and any subsequent CDs. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 |  | Resolved-Closing Disclosures and valid CoCs provided; condition resolved. - Due Diligence Vendor-12/31/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 304904586 | Closed | 2025-12-18 12:35 | 2025-12-31 12:18 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Missing Closing Disclosures provided; condition resolved. - Due Diligence Vendor-12/31/2025 <br> Resolved- - Due Diligence Vendor-12/31/2025 <br> Ready for Review-XX 12/23: Please see the attached Closing Disclosures and COCs. Redisclosed LE/CDs are only required per TILA 1026.19(e)(3)(iv)(A) when the baseline for tolerances is being reset by the related COC. As the XX/XX/XXXX COC did not impact pricing, the baseline for tolerances did not need to be reset so a redisclosed LE was not issued. // - Due Diligence Vendor-12/23/2025 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Missing initial CD and any subsequent CDs reflecting changes corresponding to the COC dated XX/XX/XXXX and XX/XX/XXXX. Compliance will be re-reviewed upon receipt of the initial CD and any subsequent CDs. Additional conditions may apply. - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/18/2025 |  | Resolved-Missing Closing Disclosures provided; condition resolved. - Due Diligence Vendor-12/31/2025<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf<br> XXXXXXX_5.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 304904586 | Closed | 2025-12-18 11:26 | 2025-12-18 11:26 | Acknowledged | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Acknowledged-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXX.XX Appraisal reflects Total estimated cost- new is $XXX,XXX. Coverage exceeds requirement. - Due Diligence Vendor-12/18/2025 |  | Acknowledged-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXX.XX Appraisal reflects Total estimated cost- new is $XXX,XXX. Coverage exceeds requirement. - Due Diligence Vendor-12/18/2025 |  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 304993691 | Closed | 2026-01-08 23:32 | 2026-04-17 14:40 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/17/2026 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided; condition resolved. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-01/14/26 - XX: Please see the attached AVM. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-AVM - Due Diligence Vendor-01/13/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/09/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/17/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided; condition resolved. - Due Diligence Vendor-01/15/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305029891 | Closed | 2026-01-23 19:50 | 2026-03-12 08:37 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender attestation received stating that only two disclosures dated XX/XX/XXXX were provided to the borrower. The Lender also provided CD dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-XX 3/11: Please see the attached Lender attestation regarding the previously cited redisclosures, as well as the requested 1-5 CD and COC dated XX/XX/XXXX for the relock - Due Diligence Vendor-03/11/2026 <br> Counter-Please confirm the following: Although Change of Circumstances dated XX/XX/XXXX and XX/XX/XXXX were in the file, and the disclosures reflected loan amounts of $XXX,XXX $XXX,XXX, and $XXX,XXX with interest rates of 6.25%, 6.50%, and 7.375%, a re-disclosure was not required due to the corrected information. We only need verification that an updated LE or CD was not issued to the borrower that may be missing from the loan file. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-XX 3/9: The changes on the cited COCs were either corrected or removed within the 3 day redisclosure period. As the cited changes were either removed or corrected at least 7 days prior to consummation, additional redisclosure of information overwritten or removed is considered superfluous and inundates the consumer with out-of-date inaccurate information regarding the structure of their loan. Please provide the reg or citation that states all overwritten changes be provided as we have not identified any guideline requiring this. - Due Diligence Vendor-03/10/2026 <br> Counter-Received an Operating income statement instead of TRID documents. Please confirm if the XX/XX/XXXX COCs resulted in Closing disclosures being provided to the borrower. Also, a tracking doc shows a Closing disclosure package delivered to the borrower XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX disclosure was not provided to XXXX. Please also confirm if XX/XX/XXXX CD was provided to the borrower. Provide all TRID docs that were provided to the borrower. Condition remains. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-XX 2/22 Please see attached. - Due Diligence Vendor-02/22/2026 <br> Counter-Received 2 CDs dated XX/XX/XXXX. The COCs in file reflect disclosures that were not provided to XXXX for review. The COCs, dated XX/XX/XXXX and XX/XX/XXXX, state disclosures were provided with loan amounts of $XXX,XXX.XX, $XXX,XXX.XX, $XXX,XXX and with interest rates of 6.25, 6.50, and 7.375 respectively. Provide all missing disclosures. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-XX 1/27: Please see the attached // - Due Diligence Vendor-01/28/2026 <br> Open-Lender to provide the initial and all interim Closing Disclosures including those corresponding to the COCs dated XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-01/24/2026 |  | Resolved-Lender attestation received stating that only two disclosures dated XX/XX/XXXX were provided to the borrower. The Lender also provided CD dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-03/12/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf<br> XXXXXXX_1.pdf<br> XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf<br> XXXXXXX_5.pdf<br> XXXXXXX_6.pdf<br> XXXXXXX_7.pdf<br> XXXXXXX_8.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305029891 | Closed | 2026-01-23 12:48 | 2026-01-29 16:01 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the Initial Closing disclosure. Condition cleared. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-XX 1/27: Please see the attached // - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/24/2026 <br> Open- - Due Diligence Vendor-01/24/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 |  | Resolved-Received the Initial Closing disclosure. Condition cleared. - Due Diligence Vendor-01/29/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305037563 | Closed | 2026-02-18 08:37 | 2026-02-22 14:56 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received 1/13/2026 CD and proof of receipt. Condition cleared. - Due Diligence Vendor-02/22/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/22/2026 <br> Ready for Review-ICD was sent XX/XX/XXXX this meets reg z - Due Diligence Vendor-02/20/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-02/18/2026 <br> Open- - Due Diligence Vendor-02/18/2026 <br> Open- - Due Diligence Vendor-02/18/2026 <br> Open- - Due Diligence Vendor-02/18/2026 |  | Resolved-Received XX/XX/XXXX CD and proof of receipt. Condition cleared. - Due Diligence Vendor-02/22/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/22/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305037563 | Closed | 2026-02-18 08:53 | 2026-02-18 11:23 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies.<br> - Due Diligence Vendor-02/18/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies.<br> - Due Diligence Vendor-02/18/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 304909882 | Closed | 2026-04-17 11:03 | 2026-04-17 11:03 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/17/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/17/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305039516 | Closed | 2026-02-19 08:49 | 2026-02-19 08:49 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/19/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/19/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305054904 | Closed | 2026-03-04 11:40 | 2026-03-11 10:44 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-Lender provided the same Homeownership Counseling Disclosure dated XX/XX/XXXX, that was already in the file. The disclosure date XX/XX/XXXX is more than 3 days after the application date of XX/XX/XXXX. Condition retained; however, this finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-disclosure uploaded. - Due Diligence Vendor-03/10/2026 <br> Open-. - Due Diligence Vendor-03/09/2026 <br> Open- - Due Diligence Vendor-03/09/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies.<br> - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 |  | Acknowledged-Lender provided the same Homeownership Counseling Disclosure dated XX/XX/XXXX, that was already in the file. The disclosure date XX/XX/XXXX is more than 3 days after the application date of XX/XX/XXXX. Condition retained; however, this finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/11/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies.<br> - Due Diligence Vendor-03/04/2026 | XXXXXXX_1.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305054904 | Closed | 2026-03-05 08:40 | 2026-03-09 17:26 | Resolved | 1 - Information | Compliance | Missing Doc | Loan Estimate disclosure is missing or incomplete | Resolved-Received the Initial Loan Estimate. Condition cleared. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Initial LE - Due Diligence Vendor-03/06/2026 <br> Open-Loan Estimate disclosure is missing or incomplete The loan file is missing the Loan Estimate dated XX/XX/XXXX as reflected on the XXXXXX report. Compliance testing is not complete, additional conditions may apply. - Due Diligence Vendor-03/05/2026 |  | Resolved-Received the Initial Loan Estimate. Condition cleared. - Due Diligence Vendor-03/09/2026<br>| XXXXXXX_1.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305054904 | Closed | 2026-03-04 11:50 | 2026-03-09 17:25 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received the Initial Loan Estimate. Condition cleared. - Due Diligence Vendor-03/09/2026 <br> Resolved- - Due Diligence Vendor-03/09/2026 <br> Ready for Review-initial LE - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 |  | Resolved-Received the Initial Loan Estimate. Condition cleared. - Due Diligence Vendor-03/09/2026<br>| XXXXXXX_1.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305054904 | Closed | 2026-03-05 08:38 | 2026-03-05 08:38 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/05/2026 |  | Acknowledged-ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/05/2026 |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305033613 | Closed | 2026-02-23 14:07 | 2026-02-23 14:07 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/23/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/23/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 304963607 | Closed | 2025-12-17 14:55 | 2025-12-18 07:37 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX; however, loan disbursed XX/XX/XXXX. - Due Diligence Vendor-12/18/2025 |  | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX; however, loan disbursed XX/XX/XXXX. - Due Diligence Vendor-12/18/2025 |  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305060947 | Closed | 2026-03-12 10:10 | 2026-03-16 14:51 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Borrower 1 Credit Report is Expired | Acknowledged-Based on the LTV of 55% and <40% DTI. Client Acknowledges and downgrades finding. - Due Diligence Vendor-03/16/2026 <br> Open-The Lender's guidelines require that the credit report be no more than 90 days before the Note date. The credit report dated XX/XX/XXXX is more than 90 days prior to the Note date of XX/XX/XXXX. - Due Diligence Vendor-03/12/2026 |  | Acknowledged-Based on the LTV of 55% and <40% DTI. Client Acknowledges and downgrades finding. - Due Diligence Vendor-03/16/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305060947 | Closed | 2026-03-12 10:09 | 2026-03-12 10:09 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/12/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/12/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305028486 | Closed | 2026-02-09 14:11 | 2026-02-17 15:00 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. Finding resolved - Due Diligence Vendor-02/17/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-E-Consent - Due Diligence Vendor-02/17/2026 <br>Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing - Due Diligence Vendor-02/09/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. Finding resolved - Due Diligence Vendor-02/17/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/17/2026<br>| XXXXXXX_1.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305028486 | Closed | 2026-02-13 11:44 | 2026-02-13 11:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/13/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/13/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305036788 | Closed | 2026-02-17 16:48 | 2026-04-17 09:12 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Note - Due Diligence Vendor-02/18/2026 <br> Open-The Note is Incomplete Page 3 of the Note document is missing. - Due Diligence Vendor-02/18/2026 |  | Resolved-The Note is Present - Due Diligence Vendor-02/19/2026<br>| XXXXXXX_1.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305036788 | Closed | 2026-02-18 08:22 | 2026-02-19 10:06 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received 2nd lien HELOC Note. Condition cleared. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-HELOC Agreement - Due Diligence Vendor-02/18/2026 <br> Open-Missing a copy of the new simultaneous 2nd lien note. Additional conditions may apply upon receipt of the required documentation. - Due Diligence Vendor-02/18/2026 |  | Resolved-Received 2nd lien HELOC Note. Condition cleared. - Due Diligence Vendor-02/19/2026<br>| XXXXXXX_1.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305036788 | Closed | 2026-02-17 18:31 | 2026-02-19 10:05 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Current HOI showing effective date of XX/XX/XXXX - Due Diligence Vendor-02/18/2026 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-02/18/2026 |  | Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/19/2026 | XXXXXXX_1.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305063856 | Closed | 2026-03-25 10:39 | 2026-03-25 10:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/25/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/25/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305064015 | Closed | 2026-03-04 15:33 | 2026-04-01 14:01 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-Received letter of intent to re-record and XXXXXXXXX affidavit. Condition cleared. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Please see attached fully executed XXXXXXXXX Affidavit with letter of intent to re-record. - Due Diligence Vendor-03/30/2026 <br> Counter-The affidavit alone is insufficient to clear condition. Proof of intent to re-record is required to clear. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-XXX - will you please review and let us know if this is acceptable. If it is acceptable it will be signed and a letter of intent to re-record will be uploaded. - Due Diligence Vendor-03/24/2026 <br> Open-The Deed of Trust is Incomplete The Mortgage has the incorrect notary date of XX/XX/XXXX. Lender to provide corrected document and either proof of recording or letter of intent to re-record. - Due Diligence Vendor-03/04/2026 |  | Resolved-Received letter of intent to re-record and XXXXXXXXXX affidavit. Condition cleared. - Due Diligence Vendor-04/01/2026 | XXXXXXX_1.pdf<br> XXXXXXX_1.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305064015 | Closed | 2026-03-04 15:45 | 2026-03-04 15:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/04/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/04/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305057091 | Closed | 2026-03-13 17:27 | 2026-03-13 17:28 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/13/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/13/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305057089 | Closed | 2026-03-03 11:25 | 2026-03-03 11:25 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/03/2026<br>|  |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305051883 | Closed | 2026-03-05 13:35 | 2026-03-05 13:35 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/05/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/05/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305055880 | Closed | 2026-03-09 07:53 | 2026-03-13 08:23 | Resolved | 1 - Information | Compliance | Disclosure | Disclosure(s) for Borrower electronically dated prior to E-Consent | Resolved-Lender provided print-screen of LOS reflecting E-Consent date of XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Please see attached - Due Diligence Vendor-03/13/2026 <br> Counter-The Loan Estimate was e-signed by the Borrower on XX/XX/XXXX which is prior to the E-Consent dated XX/XX/XXXX (as evidenced by both the eDisclosure Agreement and the OneSpan Electronic Evidence Summary). The E-Signature cannot be prior to the E-Consent. Condition retained. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-See attached - Due Diligence Vendor-03/10/2026 <br> Open-Disclosure(s) dated XX/XX/XXXX is prior to E-Consent from Borrower dated XX/XX/XXXX. - Due Diligence Vendor-03/09/2026 |  | Resolved-Lender provided print-screen of LOS reflecting E-Consent date of XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-03/13/2026 | XXXXXXX_1.pdf<br> XXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305055880 | Closed | 2026-03-02 03:45 | 2026-03-09 07:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Acknowledged-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/02/2026 |  | Acknowledged-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/02/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305055880 | Closed | 2026-03-09 07:49 | 2026-03-09 07:49 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/09/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/09/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305064014 | Closed | 2026-03-10 14:13 | 2026-03-13 16:22 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-03/10/2026 |  | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-03/10/2026 |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305064014 | Closed | 2026-03-13 16:17 | 2026-03-13 16:20 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/13/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/13/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305063616 | Closed | 2026-03-06 15:13 | 2026-03-17 10:38 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/17/2026 |  | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/17/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305063616 | Closed | 2026-03-17 10:35 | 2026-03-17 10:38 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/17/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/17/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 305066285 | Closed | 2026-03-11 03:23 | 2026-03-18 15:42 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-03/18/2026 <br>Ready for Review-See Attached - Due Diligence Vendor-03/16/2026 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-03/11/2026 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-03/18/2026<br>| XXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305059301 | Closed | 2026-03-13 04:04 | 2026-03-15 12:39 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure Missing - Due Diligence Vendor-03/13/2026 |  | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure Missing - Due Diligence Vendor-03/13/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No |
| XXXXXX | XXXXXX | XXXXXX | 304896233 | Closed | 2025-12-14 19:29 | 2025-12-21 09:20 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Non-US Document Identification is expired | Resolved-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-12/21/2025 <br> Ready for Review-Please see attached approved XXXX residency extension - Due Diligence Vendor-12/17/2025 <br> Open-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-12/15/2025 |  | Resolved-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-12/21/2025 | XXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 304896233 | Closed | 2025-12-14 23:26 | 2025-12-21 09:20 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is not Missing - Due Diligence Vendor-12/21/2025 <br>Ready for Review-Please see attached Title and Supplement - Due Diligence Vendor-12/17/2025 <br>Open-Title Document is missing - Due Diligence Vendor-12/15/2025 |  | Resolved-Title Document is not Missing - Due Diligence Vendor-12/21/2025<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305053344 | Closed | 2026-02-24 13:14 | 2026-04-17 13:27 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Audited DTI of 40.81% is less than or equal to AUS DTI of % - Due Diligence Vendor-04/17/2026 <br> Resolved-Lender provided revised AUS reflecting lower income and higher DTI of 40.81% with recommendation of Approve/Ineligible. Condition cleared. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Revised 1008 and AUS - Due Diligence Vendor-03/11/2026 <br> Open-Audited DTI of 40.81% exceeds AUS DTI of 35.34% Lender used base income of $XX,XXX.XX to qualify; however, paystub dated XX/XX/XXXX does not support lender income. The paystub in file shows a bi-weekly income amount of $X,XXX.XX x 26/12 = $XX,XXX.XX which is further supported by a WVOE dated XX/XX/XXXX. Provide additional income documentation to support income used to qualify. - Due Diligence Vendor-02/24/2026 |  | Resolved-Audited DTI of 40.81% is less than or equal to AUS DTI of % - Due Diligence Vendor-04/17/2026 <br>Resolved-Lender provided revised AUS reflecting lower income and higher DTI of 40.81% with recommendation of Approve/Ineligible. Condition cleared. - Due Diligence Vendor-03/11/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305053351 | Closed | 2026-02-23 13:11 | 2026-02-25 10:18 | Resolved | 1 - Information | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Resolved-Audited Reserves of 5.5 month(s) are greater than or equal to Guideline Required Reserves of 5 month(s) allowed by client overlays. - Due Diligence Vendor-02/25/2026 <br>Resolved-Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-02/25/2026 <br>Open-Audited Reserves of 5.5 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Client overlay fully amortizing QM matrix reserves defers to DU required reserves. DU requires 6 months reserves for a primary residence, cashout refinance with a DTI exceeding 45%. Sufficient assets not verified in file. - Due Diligence Vendor-02/23/2026 |  | Resolved-Audited Reserves of 5.5 month(s) are greater than or equal to Guideline Required Reserves of 5 month(s) allowed by client overlays. - Due Diligence Vendor-02/25/2026 <br>Resolved-Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-02/25/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305053351 | Closed | 2026-02-23 13:18 | 2026-02-25 10:14 | Resolved | 1 - Information | Credit | Closing | Invalid AUS | Resolved-Client purchase criteria notes that AUS products may defer to AUS requirements for reserves. AUS requires 5 months reserves; borrower has 5.5 months. Condition resolved. - Due Diligence Vendor-02/25/2026 <br> Open-The lender's guidelines indicate that the ineligible DU recommendation can only be for the loan amount exceeding agency guidelines; however, DU #2 indicates the following: "The debt-to-income ratio on this loan casefile is 47.03 and the number of months of reserves is 5. This loan casefile is ineligible for delivery as the loan does not meet the minimum reserve requirement of 6 months for cash-out refinance transactions where the debt-to-income ratio exceeds 45 percent." The personal bank statement in file contains a large unsourced deposit on XX/XX/XXXX which was removed from qualifying assets. - Due Diligence Vendor-02/23/2026 |  | Resolved-Client purchase criteria notes that AUS products may defer to AUS requirements for reserves. AUS requires 5 months reserves; borrower has 5.5 months. Condition resolved. - Due Diligence Vendor-02/25/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A |
| XXXXXX | XXXXXX | XXXXXX | 305053351 | Closed | 2026-02-23 13:05 | 2026-02-25 10:14 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Client purchase criteria notes that AUS products may defer to AUS requirements for reserves. AUS requires 5 months reserves; borrower has 5.5 months. Condition resolved. - Due Diligence Vendor-02/25/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is less than Total Required Reserve Amount of $XXXXX.XX The lender's guidelines indicate that the ineligible DU recommendation can only be for the loan amount exceeding agency guidelines; however, DU #2 indicates the following: "The debt-to-income ratio on this loan casefile is 47.03 and the number of months of reserves is 5. This loan casefile is ineligible for delivery as the loan does not meet the minimum reserve requirement of 6 months for cash-out refinance transactions where the debt-to-income ratio exceeds 45 percent." The personal bank statement in file contains a large unsourced deposit on XX/XX/XXXX which was removed from qualifying assets. - Due Diligence Vendor-02/23/2026 |  | Resolved-Client purchase criteria notes that AUS products may defer to AUS requirements for reserves. AUS requires 5 months reserves; borrower has 5.5 months. Condition resolved. - Due Diligence Vendor-02/25/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A |

---

## Exhibit 99.24

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.24**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXXXX | XXXXXX | 304892922 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305024070 | $XXXXXXX A C |
| XXXXXX | XXXXXX | 304893031 | $XXXXXXX A C |
| XXXXXX | XXXXXX | 305034695 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 304889954 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305060954 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305036762 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305057446 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305057484 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305033726 | $XXXXXXX A |
| XXXXXX | XXXXXX | 304909524 | $XXXXXXX A C B |
| XXXXXX | XXXXXX | 304908675 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305051152 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305027133 | $XXXXXXX D C A B |
| XXXXXX | XXXXXX | 305042272 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305033657 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305057672 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305057612 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305054343 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305037833 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305053465 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305053656 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305053673 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305057459 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305056717 | $XXXXXXX D C A |
| XXXXXX | XXXXXX | 305061533 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305059596 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305030965 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305051882 | $XXXXXXX D A |
| XXXXXX | XXXXXX | 304893446 | $XXXXXXX A C B |
| XXXXXX | XXXXXX | 305053259 | $XXXXXXX A C |
| XXXXXX | XXXXXX | 305013540 | $XXXXXXX A C B |
| XXXXXX | XXXXXX | 304874540 | $XXXXXXX A C B |
| XXXXXX | XXXXXX | 305026149 | $XXXXXXX D C A B |
| XXXXXX | XXXXXX | 305033606 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 304911420 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305027306 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305028509 | $XXXXXXX A |
| XXXXXX | XXXXXX | 304907312 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305029850 | $XXXXXXX A D B |
| XXXXXX | XXXXXX | 305012714 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305013383 | $XXXXXXX C D A B |
| XXXXXX | XXXXXX | 305025064 | $XXXXXXX A C B |
| XXXXXX | XXXXXX | 305029254 | $XXXXXXX A |
| XXXXXX | XXXXXX | 304896351 | $XXXXXXX A |
| XXXXXX | XXXXXX | 304893436 | $XXXXXXX D C A B |
| XXXXXX | XXXXXX | 304897411 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305028467 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305042636 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305036766 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305037836 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305034564 | $XXXXXXX A C |
| XXXXXX | XXXXXX | 305053728 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305060967 | $XXXXXXX D B A |
| XXXXXX | XXXXXX | 304904586 | $XXXXXXX A C |
| XXXXXX | XXXXXX | 304993691 | $XXXXXXX A C |
| XXXXXX | XXXXXX | 305029891 | $XXXXXXX A D |
| XXXXXX | XXXXXX | 305054640 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305037563 | $XXXXXXX A C B |
| XXXXXX | XXXXXX | 305053519 | $XXXXXXX A |
| XXXXXX | XXXXXX | 304909882 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305039516 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305054904 | $XXXXXXX A D B |
| XXXXXX | XXXXXX | 305033613 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305028956 | $XXXXXXX A |
| XXXXXX | XXXXXX | 304963607 | $XXXXXXX B A |
| XXXXXX | XXXXXX | 305060947 | $XXXXXXX C A B |
| XXXXXX | XXXXXX | 305028486 | $XXXXXXX A C B |
| XXXXXX | XXXXXX | 305036788 | $XXXXXXX D A |
| XXXXXX | XXXXXX | 305052050 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305063856 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305052049 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305064015 | $XXXXXXX D A B |
| XXXXXX | XXXXXX | 305064478 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305057091 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305057089 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305051883 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305055864 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305055880 | $XXXXXXX A C B |
| XXXXXX | XXXXXX | 305064014 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305064472 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305063616 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305066285 | $XXXXXXX D A |
| XXXXXX | XXXXXX | 305063855 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305050752 | $XXXXXXX A |
| XXXXXX | XXXXXX | 305059301 | $XXXXXXX A B |
| XXXXXX | XXXXXX | 305037828 | $XXXXXXX A |
| XXXXXX | XXXXXX | 304896233 | $XXXXXXX D A |
| XXXXXX | XXXXXX | 305053344 | $XXXXXXX C A |
| XXXXXX | XXXXXX | 305053351 | $XXXXXXX C A |
| XXXXXX | XXXXXX | 305053350 | $XXXXXXX A |

---

## Exhibit 99.25

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.25**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXXX | XXXXXX | 304892922 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305024070 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 304893031 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 34.49 | 48.26 | $XXXXXX | $XXXXXX | .0204 | Collateral Underwriter (CU) |  |  |  |  | $XXXXXXX | $XXXXXXX | .0204 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305034695 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 304889954 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305060954 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 2090 Individual Coop Report | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 305036762 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 65.0 | 65.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305057446 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305057484 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305033726 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 66.64 | 66.64 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 304909524 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 69.7 | 69.7 |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0101 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304908675 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 305051152 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 64.51 | 64.51 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX | Not Eligible |  |  |
| XXXXXX | XXXXXX | 305027133 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 60.59 | 60.59 | $XXXXXX | $XXXXXX | .0112 | 1004 URAR |  |  |  |  | $XXXXXXX | $XXXXXXX | .0112 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305042272 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 60.0 | 60.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305033657 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 305057672 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 54.05 | 54.05 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305057612 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 60.0 | 60.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305054343 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | .0183 | Collateral Underwriter (CU) |  |  |  |  | $XXXXXXX | $XXXXXXX | .0183 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305037833 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 78.21 | 78.21 |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0112 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 305053465 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 64.44 | 64.44 |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 305053656 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 58.09 | 58.09 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305053673 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 56.73 | 56.73 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305057459 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 55.14 | 55.14 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305056717 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305061533 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible |  |  |
| XXXXXX | XXXXXX | 305059596 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0015 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 305030965 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 79.08 | 79.08 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305051882 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 79.44 | 79.44 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 304893446 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 66.53 | 66.53 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) | $XXXXX | 0.0 | .0000 | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305053259 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 78.19 | 78.19 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305013540 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 72.86 | 72.86 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 304874540 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | $XXXXXX | -.0400 | AVM |  |  |  |  |  |  |  |  |  | $XXXXX | $XXXXX | -.0400 | 93.0 | 0.07 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305026149 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | $XXXXXX | -.0648 | AVM |  |  |  |  |  |  |  |  |  | $XXXXX | $XXXXX | -.0648 | 91.0 | 0.09 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305033606 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0395 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304911420 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 83.06 | 83.06 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305027306 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305028509 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 36.5 | 36.5 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 304907312 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 77.37 | 77.37 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305029850 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 44.64 | 44.64 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305012714 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 79.02 | 79.02 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305013383 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | $XXXXXX | .0228 | AVM |  |  |  |  |  |  |  |  |  | $XXXXX | $XXXXX | .0228 | 93.0 | 0.07 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305025064 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305029254 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | $XXXXXX | -.0143 | AVM |  |  |  |  |  |  |  |  |  | $XXXXX | $XXXXX | -.0143 | 91.0 | 0.09 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304896351 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
| XXXXXX | XXXXXX | 304893436 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 71.74 | 71.74 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 304897411 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 71.25 | 71.25 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305028467 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 66.67 | 66.67 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305042636 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 50.0 | 50.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305036766 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305037836 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | None - Appraisal Waiver | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 66.1 | 66.1 | $XXXXXX | $XXXXXX | -.0106 | AVM |  |  |  |  |  |  |  |  |  | $XXXXX | $XXXXX | -.0106 | 94.0 | 0.06 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 305034564 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 79.71 | 79.71 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305053728 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 77.14 | 77.14 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305060967 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 304904586 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 86.05 | 86.05 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible |  |  |
| XXXXXX | XXXXXX | 304993691 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | $XXXXXX | -.0196 | AVM | $XXXXX | $XXXXX | -.0171 | XXXXXX |  |  |  |  |  | $XXXXX | $XXXXX | -.0196 | 97.0 | 0.03 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 305029891 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 83.94 | 83.94 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305054640 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 67.88 | 67.88 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
| XXXXXX | XXXXXX | 305037563 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 57.98 | 57.98 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305053519 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 77.16 | 77.16 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 304909882 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0565 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305039516 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 34.25 | 34.25 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305054904 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 45.54 | 45.54 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305033613 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 65.0 | 65.0 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX | Not Eligible |  | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305028956 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 304963607 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305060947 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 55.0 | 55.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305028486 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 77.23 | 77.23 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0431 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible | 2.6 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305036788 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 56.85 | 62.48 | $XXXXXX | $XXXXXX | .0141 | Desk Review |  |  |  |  | $XXXXXXX | $XXXXXXX | .0141 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0141 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 305052050 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 67.86 | 67.86 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible |  |  |
| XXXXXX | XXXXXX | 305063856 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 69.17 | 69.17 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305052049 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
| XXXXXX | XXXXXX | 305064015 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 77.06 | 77.06 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305064478 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 75.08 | 75.08 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible | 1.2 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305057091 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 64.36 | 64.36 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |  |
| XXXXXX | XXXXXX | 305057089 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 66.91 | 66.91 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305051883 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305055864 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 69.57 | 69.57 |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0217 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 305055880 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 65.0 | 65.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305064014 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 71.6 | 71.6 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305064472 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305063616 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 60.0 | 60.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305066285 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 50.09 | 50.09 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305063855 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 69.99 | 69.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305050752 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 46.3 | 46.3 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305059301 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305037828 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | $XXXXXXX | $XXXXXXX | .0291 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 304896233 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 89.97 | 89.97 |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 305053344 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 63.62 | 63.62 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305053351 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 34.19 | 34.19 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXXXX | XXXXXX | 305053350 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXX | XXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |

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